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What to expect with UAS student loan servicing

How to avoid common problems with this federal and private loan servicer.

University Accounting Service (UAS) handles federal and private student loan repayments. Its website is a little tricky to navigate, and setting up online repayments is a bit harder than other servicers.

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.

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:

  1. Log in to your ECHO account.
  2. Click Payments.
  3. Choose your payment method.
  4. 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.

By phone

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

By mail

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

Explore your options by APR, minimum credit score, loan amount and loan term. Select the Get started button to start an application with a specific lender.

Name Product APR Min. Credit Score Loan amount Loan Term
Purefy Student Loan Refinancing (Variable Rate)
1.88% to 5.54%
$5,000 - $300,000
5 to 20 years
Refinance all types of student loans — including federal and parent PLUS loans.
Credible Student Loan Refinancing
1.80% to 8.90%
Good to excellent credit
Starting at $5,000
5 to 20 years
Get prequalified offers from top student loan refinancing providers in one place.
SoFi Student Loan Refinancing Variable Rate (with Autopay)
2.25% to 6.59%
Starting at $5,000
5 to 20 years
A leader in student loan refinancing, SoFi can help you refinance your loans and pay them off sooner.
Splash Financial Student Loan Refinancing
1.89% to 6.66%
Starting at $7,500
5 to 25 years
Save on your student loans with this market-leading newcomer.
Education Loan Finance Student Loan Refinancing
2.39% to 6.01%
Starting at $15,000
5 to 20 years
Lower your student debt costs with manageable payments, affordable rates and flexible terms.
Earnest Student Loan Refinancing
1.88% to 5.64% APR with autopay
$5,000 - $500,000
5 to 20 years
Get a tailored interest rate and repayment plan with no hidden fees.
Supermoney student loan refinancing
Starting at 1.9%
No minimum credit score
$5,000 - $300,000
5 to 20 years
Compare options to combine both private and federal debts into one monthly payment.

Compare up to 4 providers

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.

Trouble refinancing

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

Bottom line

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

How do I apply for deferment or forbearance with UAS?

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.

How do I change my repayment plan with UAS?

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.

When is my first payment due?

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.

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