Students

Perkins Loan Information

Under federal law, schools' authority to make new Perkins Loans ended on Sept. 30, 2017, and final disbursements were permitted through June 30, 2018.

Perkins Loan Payments

Perkins loan payments are managed for William & Mary by Heartland ECSI. Payments will begin after a nine-month grace period. Log into Heartland ECSI's borrower site to make payments. If you are continuing in school, unemployed, or need to defer or cancel your loan, please use the loan forms link below.

Perkins Loan Forms

All forms needed for managing your Perkins Loans are listed on the Heartland ECSI website.

If you have questions regarding your Perkins exit interview or loan repayment process, please contact our Perkins Loan Coordinator at 757-221-1358.

Delinquent Student Accounts

An account is considered delinquent when payment has not been received by the payment due date. Once your account is considered delinquent with the university, the Commonwealth of Virginia requires us to send it to a Private Collection Agency or the Office of the Attorney General, depending on the dollar amount past due.

Suppose your account has been sent to a Collection Agency (all accounts receivable under $10,000.00 and considered delinquent). In that case, the following events may occur until you have paid the Collection Agency in full:

Addition of up to 25% collection fees;
Submission of your account to the Department of Taxation pursuant to the Setoff Debt Collection Act;
Reporting of your account to all Major Credit Bureaus;
Placement of a hold on your William & Mary account makes you ineligible for any services from the university, such as registration for classes, official transcripts, or a diploma.

If your account has been sent to the Office of the Attorney General (all accounts receivable $10,000.00 and greater and considered delinquent), the following events will occur until you have paid the Office of the Attorney General in full:

Imposition of interest accrual at six percent per annum from (date of initial pre-delinquency invoice or demand letter);
Addition of up to 30% attorney's to your account balance;
Submission of your account to the Department of Taxation pursuant to the Setoff Debt Collection Act and
Placement of a hold on your William & Mary account makes you ineligible for any services from the university, such as registration for classes, official transcripts, or a diploma.

Why do I have a "C#" hold on my account?

A "C1-C7" hold will be placed on your account when forwarded to a collection agency or the Office of the Attorney General. When reviewing your holds, you will be provided with the name of the collection agency and their toll-free phone number so you may contact them to pay your bill in full or work out suitable payment arrangements. William & Mary will NOT remove your "C#" hold until the delinquent debt has been paid in full.

Collection Payment Plan

In rare instances and after all other payment options have been exhausted, William & Mary may offer inactive students an opportunity to pay through special payment arrangements. A custom payment plan may be offered on a case-by-case basis, depending on when funds will be available.

The custom payment plan is not to be used for extended periods or after an account has been sent to a collection agency or the Office of the Attorney General. A restrictive hold will remain on the student until the debt is paid in full.

Collection Agency Information

Once your account has been sent to a private collection agency or the Office of the Attorney General, you cannot pay your bill at the W&M Cashier's Office. You must contact the phone number provided on your hold screen and pay the appropriate agency directly.

The table presents a list of private collection agencies.
Private Collection Agencies Todd, Bremer & Lawson, Inc. Phone Number: 1-877-427-6544 PO Box 36788 Rock Hill, SC 29732 Pay Todd, Bremer & Lawson, Inc. Online To make a payment online, you will need an access code provided to you by Todd, Bremer & Lawson, Inc. If you do not have this number, please call their office for assistance. If you pay with an electronic check (EFT), TB&L cannot clear your account for five business days. If you are in a hurry to have your hold released so you can register or need a transcript, DO NOT pay at this website. Please call the TB&L Office to make your payment over the phone for immediate approval. If you have any questions, you may also email TB&L at collect@tbandl.com. Williams & Fudge Phone Number: 1-800-551-5772 300 Chatham Ave Rock Hill, SC 29730 Contact: Marilyn Welborn Pay Williams & Fudge Online
Office of the Attorney General Phone Number: 1-804-225-2741 for Whitney Mitchell, Claims Representative Fax Number: 1-804-786-4839 First, please contact the OAG Claims Representative above to receive your file # and the total amount owed before paying your account online. To pay your account online, please use the following instructions: Pay the Attorney General Online Click "Citizen Resources" Click "Debt Payment Center" Click the "PAY ON MY ACCOUNT" button and the following options are available: Credit/Debit/Check Card (Mastercard & Visa are welcome) eCheck (at least ten business days to clear) Payment by mail: Office of the Attorney General Attn: Division of Debt Collection, Whitney Mitchell P.O. Box 610 Richmond, Virginia 23218 For any questions regarding your account, please feel free to email Whitney Mitchell at wmitchell@oag.state.va.us. Please Note: Personal checks will take up to 10 business days to clear. Cashier and/or Money Orders will clear immediately upon receipt.

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