Use the Forms Below to Make Changes to Your Account

Baptist Credit Union Private Education Loans made after December 5, 2019
Please select the appropriate form listed below, complete the form in its entirety and mail or fax it to the address/number found on the form.
Auto Debit Form
Forget the hassle of mailing your student loan payment each month! Sign up today to have your monthly payment automatically deducted from your bank account with our Automatic Debit Payment Plan.

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Information Release Form
We are committed to ensuring your privacy and maintaining your loan records in a secure manner. We will not disclose any information pertaining to your loan records to anyone but you, your co-signer or endorser (if applicable), and those we are required to share information with such as your school(s), lender(s), and each of their agents. To authorize someone other than those listed above to discuss your specific loan information with us, you must complete and return the Information Release form.

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Discretionary Forbearance Request
If you are unable to make payments on your Private Education loan(s) according to the terms of your Promissory Note(s), you may request that adjustments be made to your loan terms including a postponement or forbearance of payments. HESC retains the right to the decision to grant you a forbearance and may request information about your situation in evaluating your request.

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Armed Forces Deferment Request
The Armed Forces Deferment is intended to cover an active duty status in the U.S. Armed Forces for up to thirty-six (36) months if either the student Borrower or the Cosigner is on active duty. To be eligible, the student Borrower or Cosigner must submit proof of military mobilization or call to active duty with a beginning and end date.

Call us at (877) 768-0001 for details.
Designation of Authority to Act
You may designate an individual with the legal authority to act on your behalf upon your death, with respect to your private education loan(s). If you would like to designate someone with this authority, please complete this form and return it to HESC. You may also use this form to update your current designee or any information previously submitted.

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Cosigner Release
Request for the cosigner to be released can be made after the first 24 consecutive, on-time monthly payments (not later than ten days after the due date) of principal and interest have been made. At the time of request for cosigner release, the student borrower must (a) meet credit criteria in place for cosigner release, (b) be currently enrolled for automatic deduction of monthly payments from a savings or checking account, and (c) must have had at least one payment deducted electronically from such bank account prior to the time of the cosigner release application. Lump sum payments will count as a single payment. If the borrower is granted a forbearance or makes a lump sum payment in excess of the monthly payment amount during the first 24 months of the Repayment Period that permits the borrower to skip one or more scheduled monthly payments, the borrower may lose the ability to qualify for the Cosigner Release Benefit.

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Total & Permanent Disability
In the event a student Borrower becomes Totally and Permanently Disabled, the student Borrower, or his/her representative, may contact HESC to request information regarding our Total and Permanent Disability (TPD) discharge. Any loan that has not previously become a charged off loan or that is not currently in default may be discharged due to the student Borrower’s Total and Permanent Disability, as defined by our TPD Terms and Application. If the student Borrower meets the TPD requirements, HESC shall write off any outstanding principal and accrued interest balance on the qualifying loan(s) to a zero balance (if the Loan has a Cosigner, the Cosigner’s obligation to the Loan will be canceled).

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Death Forgiveness
If the student Borrower should die while enrolled at least half-time at an eligible institution, and the Loan is not in default, the student Borrower’s estate and each Cosigner (or Cosigner’s estate, if applicable) will be released from the Loan and the Servicer shall write down any outstanding principal and accrued interest balance on the Loan to a zero balance if the Servicer receives acceptable proof of death and proof of enrollment at an eligible institution at the time of death. If the student Borrower dies and the Loan is cosigned and does not qualify to be written down to zero, the Loan will be charged off and the Cosigner (or Cosigner’s estate, as applicable) will be released from any further obligation. The Servicer may attempt to file a claim against the student Borrower’s estate for any unpaid debt under this Credit Agreement. Any payments received from the student Borrower’s estate, less collection costs, will be applied to all applicable Loan(s). If the student Borrower on a non-cosigned Loan dies and the Loan does not qualify to be written down to zero, the Loan will become a charge off Loan. The Servicer may attempt to file a claim against the student Borrower’s estate for any unpaid debt under this Credit Agreement. Any payments received from the student Borrower’s estate, less collection costs, will be applied to all applicable Loan(s). If a Cosigner dies, the Servicer will continue to service the Loan in accordance with the Credit Agreement as the student Borrower is still obligated to the debt. The Servicer may attempt to file a claim against the Cosigner’s estate for any unpaid debt under this Credit Agreement. Any payments received from the Cosigner’s estate, less collection costs, will be applied to all applicable Loan(s). If the student Borrower, Cosigner, or any of their respective estates are released from obligations under this section, no refund will be paid for prior payments made on the Loan.

Please contact us at service@hescloans.com or call us at (877) 768-0001 for details.
Questions? Contact us today for more information!