ECMC

Is a collection agecny calling you about your student loans? Was your tax refund withheld? Have you missed nine or more consecutive monthly payments? If you answered yes to any of these questions, you are probably in default. We can help you recover.

Understand default

Have you received a Notice of Default? Default is a serious matter. The federal government can withhold your tax refunds. Your loan holder can garnish up to 15% of your wages. Default damages your credit score. And you can’t escape the fact that your loans must be repaid.

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Get help with default

If you’re in default, you probably realize that it is a serious situation. Even though your options are limited, we can help you understand your alternatives. The key is to act now.

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Resolving issues and disputes

Having a defaulted loan can create a number of difficult situations. Find out about the most common issues and how to resolve them.

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Unresolved issues—Ombudsman Statement of Financial Status form Authorization to Disclose Information form View all tools View all forms

Why was my tax refund and/or Social Security payment taken? Can I get it back? I want to go back to school, but my loans are in default. Can I get financial aid? What does a defaulted student loan do to my credit? View all frequently asked questions

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