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How do repayments work with UAS?
UAS has the standard methods of making repayments. The simplest way is to pay online, though you can also submit repayments by mail or over the phone.
UAS allows borrowers to make one-time or recurring online repayments. Recurring online repayments automatically deduct from your bank account each month. If you have federal student loans, you can often qualify for an interest rate discount — though UAS doesn’t advertise this.
One-time repayments are useful if you want some flexibility on when your repayments go through or want to pay extra.
To make an online repayment, you need to enroll in the UAS electronic check handling option (ECHO). Make sure you have your bank account and routing numbers on hand, then follow these steps:
- Go to the UAS website.
- Under Make a Payment Online in the right-hand menu, click the link to enroll.
- Click Get Started.
- Click Create an Account.
- Choose how you’d like UAS to identify your account.
- Follow the instructions to set up an ECHO account to make either one-time or recurring ACH repayments.
You can make a repayment over the phone by calling 800-999-6227. Have your bank account and routing numbers ready before you dial.
Borrowers can send repayments via check to the following address:
University Accounting Service
PO Box 5865
Carol Stream, IL 60197-5865
Make sure to write your account number on the check and send along the remittance section of your paper statement, which is the detachable slip at the bottom of your bill.
How can I pay off my loan early?
You can pay off your loan early by making additional online repayments and specifying how you’d like the extra funds to be applied. Follow these steps:
- Log in to your ECHO account.
- Click Payments.
- Choose your payment method.
- Enter how much of the payment you want to go toward each loan in the Pay Toward Loan column.
Reach out to customer service if you have any questions about allocating extra payments.
How to contact customer service
You can get in touch with customer service by phone or mail. Unlike some other servicers, UAS has the same number and mailing address for most questions — though it has different numbers for English- and Spanish-speaking borrowers.
You can make a repayment through these numbers using its automated system at any time. Customer service is available weekdays from 7 a.m. to 5 p.m. CT.
- English-language assistance: 800-999-6227
- Spanish-language assistance: 866-765-0743
Send all correspondence to the following address:
University Accounting Service
PO Box 918
Brookfield, WI 53008-0918
How to refinance UAS loans
You can refinance your UAS loans by applying for another loan with a private company — ideally with more favorable rates and terms. Refinancing is the only way to change your servicer if you have private student loans.
However, federal loan holders might also want to look into taking out a Direct Consolidation Loan instead. It allows you to change your servicer while still accessing federal loan benefits like income-driven repayment plans and forgiveness programs. While you can’t lower your rates, you can extend your term.
Compare student loan refinancing options
How to avoid common problems with UAS
As of February 2019, UAS has just 39 complaints filed against it with the Consumer Financial Protection Bureau (CFPB) — a small amount compared to other servicers out there. It’s closed 53 complaints filed with the Better Business Bureau (BBB), though it doesn’t have a Trustpilot page.
Despite the low volume, there are two problems that customers have run into.
Trouble processing repayments
The bulk of complaints filed with the BBB were about billing or collections issues. One borrower mentioned their repayments weren’t being applied to all of their loans, causing one to show up as delinquent. Another was consistently reported late despite being enrolled in automatic repayments.
- How to avoid it: Check your loan balance regularly, especially after a repayment is supposed to go through. If it’s taking longer than expected, contact customer service as soon as possible. You should also check your credit report to make sure UAS isn’t reporting incorrect information to the credit bureaus.
Several borrowers reported having trouble getting a payoff letter from UAS when they wanted to refinance their loans with another lender. Some also ended up taking out a loan in the wrong amount and had trouble getting UAS to refund that money.
- How to avoid it: Contact UAS customer service by phone before refinancing to make sure you’re following the correct procedure for requesting a payoff amount. And stay in touch with your new lender’s customer service team to make sure they’re also in the loop.
What to expect with other student loan servicers
With so little said online, it can be difficult to tell what your experience might be with UAS — though you might want to watch out for incorrect info on your credit report. If you have this servicer and are unhappy with how things are going, consider consolidating or refinancing your student loans with a private lender.
Want to see how UAS stacks up to the competition? Check out our guide to student loan servicers.
Frequently asked questions
It depends on what type of loan you have and what type of deferment or forbearance you’re interested in. With federal loans, this involves submitting a form, which you can access by logging in to your ECHO account. You can also request a form and discuss your options by calling the UAS customer service team.
You can apply to change your federal repayment plan by submitting a form with UAS. Private student loan holders might have to refinance with another lender to change up their repayment plan, however. Reach out to customer service to go over your options.
It depends on your loan and repayment plan. With federal loans and most private student loans, your first repayment is due six months after you drop below half time or graduate.
You can find out when your repayment is due by looking at your promissory note, though UAS should reach out to help you set up your account before then.
Anna Serio is a trusted lending expert and certified Commercial Loan Officer who's published more than 1,000 articles on Finder to help Americans strengthen their financial literacy. A former editor of a newspaper in Beirut, Anna writes about personal, student, business and car loans. Today, digital publications like Business Insider, CNBC and the Simple Dollar feature her professional commentary, and she earned an Expert Contributor in Finance badge from review site Best Company in 2020.
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