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University Finance and Administration

1098-E Form (Student Loans)  

The 1098-E Student Loan Interest Statement is an IRS tax document that records the amount of interest paid on your student loans during the previous year. You may have the option to deduct either a portion or the total amount of interest paid from the income that you report on your federal tax return, potentially minimizing your income tax. Consult with your tax advisor to determine the tax-deductible interest.  

You will receive a 1098-E for each loan that you hold if the interest you paid has reached or exceeded $600. You can receive 1098-E information from other loan servicer providers if you have other active loans.   

Our office uses ECSI, formerly known as Heartland Educational Computer Systems, Inc., to acquaint graduates with repayment options and facilitate the collection and processing of payments. ECSI is responsible for providing borrowers with their 1098-E tax forms.  

View the loans administered by Rutgers and managed by ECSI.  

How can I access my 1098-E Form?

To access your student loan interest statements, sign in to your Heartland Educational Computer System account  using your ESCI login information (reach out directly to ESCI if you need to obtain your login information). Click “Tax Documents & Information” under Rutgers University, then select “view statement.” The student loan interest is shown in Box 1 of the 1098-E form.  

For additional information about your 1098-E tax form, please visit ECSI online.