Skip to Office of Student Accounts site navigationSkip to main content

Collections / Delinquent Accounts Policies

Collections Policy

Accounts that remain unpaid are deemed delinquent and students will be notified by the College’s Collection Department. Upon receipt of this notification their payment must be made immediately. Students will first have the opportunity to make payment directly to the College before further action is taken on their account. All delinquent balances must be paid in full and funds must be cleared before students are eligible to register for classes. Grades, transcripts, and diplomas will be withheld as well.

If students do not respond to Ramapo’s attempts to collect the delinquent balance, their account will be referred to an outside collection agency. Should this occur, the student will be responsible to pay all outstanding balances (plus all collection and legal fees when applicable 20%-35% of the amount placed) directly to the third party agency. Additional further action on the student’s account may include but is not limited to:

  • Assessment of additional collections fees 20%-35% of the amount placed
  • Credit Bureau reporting
  • Late fees
  • Litigation

The College utilizes the following outside collection agencies for the collection of past due accounts:


200 CrossKeys Office Park
PO Box 7
Fairport, NY 14450

Penn Credit Corporation

2800 Commerce Drive
Harrisburg, PA 17110

Reliant Capital Solutions

670 Cross Pointe Road
Gahanna, OH 43230

William and Fudge

300 Chatham Ave
Rock Hill, SC 29730

General Revenue Corporation

4660 Duke Drive
Suite 200
Mason, OH 45040

Please contact Chanel Carter at 201-684-7173 or with any questions you may have or if you have received a delinquent account notice from Ramapo College. All inquiries relating to notifications received from outside agencies should be directed to the agencies listed above.


Federal Perkins Loans

Ramapo College utilizes Heartland ECSI as the billing service provider to handle all Perkins loan accounts. This service allows you to make on-line payments, apply for deferments/cancellations, consolidate your loans and obtain other benefit information. Borrowers may also manage their account on-line at

***The Federal Perkins Loan program ended on September 30, 2017 and no new loans were awarded after that date. At this time, no new Perkins Loans are available.

Perkins Repayment

After you graduate, leave school, or drop below half-time status as a student, you will have a nine-month (9) Grace Period before you begin repayment of your Perkins Loan. You will have up to ten (10) years to repay the loan.

Perkins Cancellation and Discharge

As of Oct. 7, 1998, all Perkins Loan borrowers are eligible for cancellation benefits regardless of when the loan was made or the terms of the borrower’s promissory note. However, this benefit is not retroactive to services performed before Oct. 7, 1998. A borrower may have all or part of their loan (including interest) cancelled for engaging in teaching, public service, service in the Peace Corps or AmeriCorps*VISTA, or service in the military. In addition, loans may be discharged if the borrower becomes disabled or dies, or in certain cases involving bankruptcy. For more information, please contact Chanel Carter at 201-684-7173 or

Perkins Loan Default

It is important to repay your student loans, as maintaining a good payment history will help with your credit. For students that are having problems repaying their loans, there are other options available. Those who choose to ignore their obligation and fail to repay, their account will be submitted to an outside Collection Agency and will be unable to register, obtain their transcripts, diploma and/or receive current and/or future financial aid. Loans that remain in default after 24 months will be assigned to the Federal Government who will pursue collection action indefinitely.

Perkins Loan Billing Servicer

Heartland ECSI
1200 Cherrington Parkway
Moon Township, PA 15108
Phone Number: 1-888-549-3274


SOIL (Set-Off of Individual Liability)

The SOIL Program withholds personal NJ Gross Income Tax Refunds, Saver Rebates and Homestead Rebates from taxpayers who owe debt to state agencies and/or to the Federal Treasury. The Office of Student Accounts at Ramapo College of New Jersey can submit a student’s account to the SOIL program for a debt in excess of $25. If the funds are withheld, the NJ Division of Revenue and Enterprise Services (DORES) will send a notice to the taxpayer after a 35-45 day waiting period to inform them of the government agency that is seeking to withhold funds and how to contact that agency. These past due accounts can be submitted to SOIL either monthly or yearly until the debt has been satisfied.

The College reserves the right to change procedures at its discretion.