The University of Maryland Baltimore administers several loan programs. For information on applying for one of the loans below, please contact University Student Financial Assistance. 

• The DHHS - Federal Nursing Loan (FNL)
  Available to qualifying students in the undergraduate and graduate level Nursing programs. Interest does not accrue and payments are not required while enrolled at least half-time in a Nursing Program, during the 9-month grace period provided, or within periods of eligible deferment. Interest accrues at 5% annually while in repayment.
  
  
• The DHHS - Health Professions Loan (HPSL)
  Available to qualifying students in the Dentistry and Pharmacy programs. Interest does not accrue and payments are not required while registered full-time in a health profession program, during the 12-month grace period provided, or within periods of eligible deferment. Interest accrues at 5% annually while in repayment.

If you have received Federal Perkins Loans, Primary Care Loans, Nursing Student Loans, or Health Professions Loans while attending the University of Maryland Baltimore (UMB), the University is your lender. UMB uses a billing agent, ECSI, to generate monthly billing statements for our borrowers. ECSI offers a multitude of services for your student loan account, such as:

• Viewing your account information
• Making online payments
• Access deferment forms
• Sign up for electronic billing statements
• Updating address and phone information
• Verifying account balances
• Obtaining loan payoff amounts

Please contact UMB Student Loan Collections for deferments, questions, or special concerns regarding your account. Please contact by phone 410-706-5375 or by email SLC@umaryland.edu. 

UMB Policy on Student Loan Collections outlines the Federal due diligence requirements for administering Federal Perkins Loans, Primary Care Loans, Nursing Student Loans, and Health Professions Loans.

At 45 days past due, UMB places transcript and registration hold on accounts for students past due on their Federal Perkins Loans, Primary Care Loans, Nursing Student Loans, and Health Professions Loans.  Holds will remain on the student record until proof of collection in full is received (i.e. bringing the account current or proof of repayment from collection agency).  Past-due loans are required to be reported to the credit bureaus.

Students who have defaulted on their loans will be forwarded to the Maryland Central Collection Unit (CCU) after 120 days past due.  Accounts referred to CCU have assessed a mandatory 17% collection cost in addition to the defaulted amount referred (principal and interest).  Borrowers who have been transferred to CCU must arrange repayment with their office directly.

Maryland Central Collection Unit
Phone: 410-767-1220
Email: ask.ccu@maryland.gov
CCU Online Debtor Repayment: https://ccuportal.md.gov/login
CCU Debtor Repayment via Phone: 1-833-847-9876

Students who are either graduating or no longer registered in 6 or more credit hours will enter repayment after the grace periods provided below:

• Nursing Student Loans – 9 months
• Health Professions Loans (Dental & Pharmacy) – 12 months

Exit counseling provides a complete explanation of repayment, deferment, and cancellation privileges that pertain to your student loan.

You will be contacted directly by ECSI via email when you are required to complete the exit counseling.

If you have any questions regarding your UMB loans, or the exit counseling process, please feel free to contact UMB Student Loan Collections at 410-706-5375, or via email at SLC@umaryland.edu.  You may also contact ECSI directly at 1-888-549-3274, or LiveChat with an ECSI customer service representative.

**For Subsidized, Unsubsidized, and Graduate PLUS Federal student loan exit counseling, please contact University Student Financial Assistance at 410-706-7347, or via email at aidtalk@umaryland.edu.

Credit Report:
Federal Law allows you to request one free credit report from each bureau (Equifax, Experian, and TransUnion) annually.  You may request these reports by visiting https://www.annualcreditreport.com/.

Department of the Ombudsman
Website: https://studentaid.ed.gov/sa/repay-loans/disputes/prepare/contact-ombudsman

Health Resources and Services Administration – Student Loan Repayment Assistance
Website: https://bhw.hrsa.gov/funding/apply-loan-repayment

Maryland Higher Education Commission
Janet L. Hoffman Loan Assistance Repayment Program (LARP)
https://mhec.maryland.gov/preparing/Pages/FinancialAid/ProgramDescriptions/prog_larp.aspx