Perkins Loan

Perkins Loan

(formerly National Direct Student Loan)

The Federal Perkins Loan is a need-based federally funded low-interest student loan awarded only to undergraduate students who reside on the New Jersey City University campus.

New Jersey City University is the lender for this loan and the funds are combined from the federal government and payments collected from previous Perkins Loan borrowers.

New Jersey City University uses a billing service provider (ECSI) to handle all NJCU Perkins accounts. This service allows you to make on-line payments, apply for deferments, consolidate your loans and obtain other benefit information. Borrowers may also manage their account on-line at


Perkins Loan Billing Services
Heartland ECSI
3330 Healy Drive, Suite 105
Winston-Salem, NC 27103
Phone Number: 1-800-334-8609