State Loan Repayment Program

State Loan Repayment Program is sponsored by Mississippi State Department of Health. Provides education loan repayment assistance to health professionals practicing in Mississippi areas with provider shortages.

State Loan Repayment & Service Forms – Mississippi Office of State Financial Aid State Loan Repayment & Service Forms State Loan Repayment & Service Forms Forgivable Loans are awards that carry a repayment obligation. Money is loaned to students in certain high-demand majors, such as nursing and teaching. To receive the money, a student signs a contract with the state to fulfill a service obligation after degree completion.

If the student completes the service obligation, the loan is forgiven or discharged. If the student fails to complete the service or otherwise abrogates the contract, the loan becomes due with interest. ECSI Services Mississippi Forgivable Loans ECSI is a third-party vendor that services all of the state’s forgivable loan programs.

Students who receive money from Mississippi through any forgivable loan program will receive information from ECSI regarding repayment once the student separates (graduates or stops out) from the program of study.

You may now access your account online or call ECSI Customer Service to make payments, file deferment/cancellation forms, set up automatic payments, etc. When calling or accessing your account online, you will need the following information: Account Number: Your Social Security Number Please feel free to contact ECSI about your account at: Website and Live Chat: www. ecsi. net Email: webcservice@ecsi.

net Phone: (888) 549-ECSI or (888) 549-3274 Mail: Mississippi Institutions of Higher Learning (MIHL) Students in most forgivable loan programs receive a 12-month grace. At the conclusion of the grace period (if the grace period is applicable), a student must either: 1) provide proof of employment to qualify for a service deferment or 2) begin making payments.

Failure to do one of these two things may result in the student account going into collection status. Deferment and Cancellation A “Deferment” is a postponement of payment. A student borrower should request a deferment of debt if the student is pursuing a required residency or if the student is working to complete the service obligation.

A “Cancellation” is a cancellation of all or part of the debt after working. A student borrower should request a cancellation of debt after completing each year of the service obligation.

Students in the following programs may request a deferment for residency training: State Dental Education – Residency in General Dentistry for 1 year Graduate and Professional Degree Programs – Residency in Podiatry for 4 years; Residency in Chiropractic Medicine for 1 year State Medical Education – Residency in Family Medicine, Internal Medicine, Obstetrics/Gynecology, or Pediatric Medicine for 4 years SREB Regional Contract Program – Residency in Optometry for 1 year; Residency in Osteopathic Medicine for 4 years Veterinary Medicine Minority Program – Residency in Veterinary Medicine for 4 years At the beginning of each year of residency, a student borrower should submit a Residency Deferment Form: Service Deferment and Cancellation At the beginning of each year of employment, a student borrower should submit the appropriate form to defer payment of the debt, because the student is currently working to complete the required service obligation.

At the end of each year of employment, a student borrower should submit the appropriate form to cancel all or part of the debt, because the student has completed all or part of the required service obligation.

Teaching Service Deferment/Cancellation Form Nursing Service Deferment/Cancellation Form Nursing Educator Service Deferment/Cancellation Form (Full Time Equivalency) Health Care Related Professions (Non-Nursing) Deferment/Cancellation Form IMPORTANT: A student may cancel debt for a completed year of service and request deferment of a current year of service by using the same form.

Other Allowable Deferments Mississippi forgivable loans are not federal loans. They do not carry all of the deferment options that some federal loans carry. Students should consult their contract for allowable reasons for deferment.

Disability Deferment and Cancellation Repayment of Mississippi forgivable loan debt may be deferred in cases of temporary disability. Mississippi forgivable loan debt may be canceled in cases of total and permanent disability.

To qualify for cancellation of a state student loan on the basis of total and permanent disability, the borrower must be unable to engage in any substantial activity by reason of a medically determinable physical or mental impairment that can be expected to result in death, that has lasted for a continuous period of not less than 60 months, or that can be expected to last for a continuous period of not less than 60 months.

A recipient is not considered totally and permanently disabled on the basis of a condition that existed before he/she applied for the loan unless the recipient’s condition has substantially deteriorated since he/she submitted the loan application, so as to render the recipient totally and permanently disabled.

To apply for loan deferment or cancellation on the basis of disability, a student borrower should submit the following form: Request for Disability Deferment/Cancellation Form Update Contact Information Regularly It is the responsibility of the student to update his/her contact information regularly with ECSI. Website and Live Chat: www. ecsi.

net Email: webcservice@ecsi.

net Phone: (888) 549-ECSI or (888) 549-3274 Mail: Mississippi Institutions of Higher Learning (MIHL) When calling or accessing your account online, you will need the following information: Account Number: Your Social Security Number 1-800-327-2980 (toll-free in MS) or 601-432-6997 Your Email Address * Required Subject of Request * Required Your Subject (required): Application or Technical Problems Repayment of Forgivable Loan Service Deferment/Cancellation Nissan Scholarship (NISS) SREB Regional Contract Program (SREB) All Other Programs (for students with last name A-G) All Other Programs (for students with last name H-N) All Other Programs (for students with last name O-Z)