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Loan rehabilitation is a powerful tool for dealing with default. Completing rehabilitation restores your loans to good standing. Just entering loan rehabilitation has immediate effects on your defaulted loans.
The document center provides the appropriate links to download applicable documents or to upload files and images containing required information.
If you paid interest on a federal student loan(s) during the year, you may be able to deduct the amount of interest paid from your income taxes. The Form 1098-E will help you calculate and claim the Student Loan Interest Deduction.
You need to know about different loan types, who your servicer(s) is and what is expected of you. We can help you understand what having a student loan really means.
You can start paying anytime, even while you're in school. But once your grace period ends, you must start paying. We have all the details on getting ready to make that first payment.
There's more than one way to pay back your student loan(s). We can help you navigate your repayment options so you can create a smart plan for repaying your student loan(s).
Working in public service—whether teaching at an underserved school or joining the U.S. Military—may forgive some of what you owe. And in some cases, such as fraud, federal student loans can be canceled completely.
With a realistic budget and a smart repayment strategy, you can stay in control of your student loan payments from day one.
Your servicer(s) is there to help, but it's good to be prepared when you call. We can help you sort through the details so you can ask the right questions.
There's more than one way to pay back your student loan(s). We can help you navigate your repayment options so you can create a smart plan for repaying your student loan(s).
If financial realities are making it hard to pay your student loan(s), you may be able to find relief through deferment or forbearance.
Consolidating your loan(s) may reduce your monthly payments by combining all your loan(s) into one new loan.
Working in public service—whether teaching at an underserved school or joining the U.S. Military—may forgive some of what you owe. And in some cases, such as fraud, federal student loans can be canceled completely.
We give you a realistic view of your options for staying current on your student loan(s).
Have you received a Notice of Default? Defaulting on your federal student loan(s) is a serious matter. The federal government can seize your tax refunds. Your loan holder(s) can garnish up to 15% of your wages. The default may be reported to the national consumer reporting agencies (aka credit bureaus).
Setting up a repayment plan acceptable to your loan holder(s) can protect you from some of the consequences of default, like administrative wage garnishment and withholding of your tax refunds and government payments.
Paying your outstanding loan(s) in full has advantages.
Would you like to bring your federal student loan(s) out of default? Find out if you qualify to participate in the loan rehabilitation program.
Federal student loans have built-in protection against things like fraud, school closings, permanent disability and death.
The Direct Consolidation Loan program refinances your federal defaulted student loan(s) into a new loan, with a single interest rate and repayment schedule.
Having a defaulted loan can create challenges. Find out about some of the most common issues and how to resolve them.
Filing for bankruptcy is a difficult decision. Before you file, you should understand how bankruptcy will impact your student loan(s).
While you’re in bankruptcy, you aren’t required to make direct regular monthly payments on your student loan(s) unless your bankruptcy plan provides for direct payment outside of your Chapter 13 plan. Your student loan creditors may be scheduled to receive a distribution from your Chapter 13 trustee. Regardless, interest on the student loan(s) continues to accrue.
If you have an outstanding student loan(s), once you’re out of bankruptcy, it may be time to start paying it back. But who owns your loan(s)? And how much do you owe? We can help you navigate the post-bankruptcy complexities.
This free college planning publication provides students and families with important information and tools to guide their pursuit of postsecondary education. Opportunities books are available in English and Spanish.
Find information, tips and tools for managing your money.
The college resource guides cover a range of topics related to preparing for and going to college.
Before you file the Free Application for Federal Student Aid (FAFSA), there are ways to get an estimate of how much college may cost you.
This link will take you to the Solutions website where we can help you understand the complexities of student loan repayment.
Believing the College Dream helps you motivate students to dream big and gives them practical skills to make their dreams happen.
Realizing the College Dream makes the economic necessity of a college education clear and debunks the myth that college is unaffordable.
Persist in Higher Education helps you support low-income, first-generation students of all ages so they stay in school and graduate.
We provide free workshops across the country for educators and community members who want to make our curricula a part of their college access programs.
Our three curricula are available for immediate download at no cost.
The College Place works to help people of all ages pursue opportunities for undergraduate education beyond high school. We provide information, assistance, and encouragement to help individuals achieve their education goals.
TCP-Colorado, launched in 2018, is located in Denver, Colorado.
TCP-Connecticut, launched in 2010, is located in Hartford, Connecticut.
TCP-Northern Minnesota, launched in 2024, is located in Bemidji, Minnesota.
TCP-Southern Minnesota, launched in 2017, is located in Minneapolis, Minnesota.
TCP-Northern California, launched in 2011, is located in Berkeley, California.
TCP-Oregon, launched in 2007, is located in Portland, Oregon.
TCP-Richmond, launched in 2007, is located in Richmond, Virginia.
TCP-Alexandria, launched in 2003, is located in Alexandria, Virginia.
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Our Solutions suite of services includes financial literacy, student loan repayment counseling and default prevention.
ECMC Solutions mission-based portfolio supports real people with meaningful impact. As part of our mission and values, our policy is to devote the resources necessary to ensure a smooth and timely implementation and ongoing quality services.
Explore the schools we work with and read what our school and student customers have to say about us.
When it comes to preventing default, we take a direct approach. We build individual relationships with borrowers and help them keep their student loans in good standing.
Our flexible portfolio management tools help you streamline your operations.
We help students make informed decisions about financing their education so they can successfully repay their student loans.
4/24/2023
Our 2022 ECMC Annual Report highlights our commitment to students, families, borrowers and American taxpayers as well as our resilience and ongoing dedication to our charitable mission.
This report recognizes our hard work and dedication to providing financial counseling and education to empower students to make wise choices about their futures.
Read our 2022 Annual Report.