WOW!!!!!!! lithermally going through the EXACT same thing..except I never filled out a payment agreement with ECSI. School is reporting (through ECSI) as an unsecured installment loan and puts in random '120' late marks about once per Year. The school also assigned the account to ERS to collect the debt. The school also can't tell me anything about what class etc. the tuition balance was from. Did you get any answers???!