This is a secure website where you can view and manage your ECMC student loan account information. Registering for an online account is free, fast, easy and secure. By accessing and registering with ECMC's website, you agree to our Privacy Policy and Terms of Use.
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.
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.
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).
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.
If your federal student loan(s) is in default, you probably realize that it is a serious situation. However, there may be options available to you. We can help you understand which alternatives fit your personal situation. Contact us at 855-810-4922.
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.
The Direct Consolidation Loan program refinances your federal defaulted student loan(s) into a new loan, with a single interest rate and repayment schedule.
They are not automatically discharged unless the bankruptcy court finds an undue hardship in a separate adversary proceeding. Find out how your student loan(s) is impacted by bankruptcy.
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.
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.
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.
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.
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.
Explore the schools we work with and read what our school and student customers have to say about us.
“I have been struggling for the past 1 1/2 years or so to try to resolve this issue; however, there has been no progression in resolution. After working with Trisha, I feel like this is not going to fall through the cracks again and again. She will make sure all parties involved (servicers) and we will finally get to a resolution…I have all the tools needed to be successful this time.”
Counseled borrower
“[She was] very helpful and made me feel comfortable and aware that they could help any time in the future if I ever had concerns or questions.”
Arthur Lopez,Director Financial Aid, Victor Valley Community College
“Not only did Ashley-Beth help me with all of my questions, she actually knew to ask questions that I didn't realize I needed answered. I am extremely satisfied and actually grateful for her help.”
Counseled borrower
“LoanTracker has provided me with the perfect platform to control and track our cohort default rates with real-time results. There are great features and the interface is uncomplicated and simple to customize. Support has been irreplaceable and I am truly satisfied with the web-based software results. ”
Tangene Umstead,Analyst, Compliance and Default Prevention, American Public University System
“Qao was a true advocate for my needs. She deserves a promotion; seriously, she should be a trainer as she puts a face on your organization of a company that is professional and truly cares.”
Counseled borrower
“We chose Solutions at ECMC for several reasons: years and depth of experience, use of several different skip tracing software, an outstanding internet site…and innovative ideas on contacting very delinquent borrowers.”
Pueblo Community College
“Jose was very knowledgeable and helpful. He gave me more information on how to manage, and what to do about my student loans, than the school I was attending. Thank you, Jose.”
Counseled borrower
“Thank you for all your help this morning. You really helped me identify the need and necessary action steps to continue moving forward.”
Heather P.
“The ECMC representative was very helpful and gave informative information that saved me a lot of headache in the future. Thank you for the excellent customer service!”
Counseled borrower
“ECMC began working our 2011 cohort in January 2013, which left them only 9 months to impact our default rate...for the first time in years, we feel our cohort default rate is headed in the right direction and our borrowers are being served by a conscientious team of professionals.”
Shannon Sheaff,Director of Financial Aid, Mohave Community College
“Definitely had more information provided than what I asked for, but it was information I will use in the future! Very thorough. Don't find that level of service anymore.”
Counseled borrower
“Kegan was absolutely helpful, and was able to work with me in such a time crunch and provide amazing service! Absolutely great service…will definitely recommend ECMC to anyone I know that is currently in need of help with school loans.”
Counseled borrower
“I was so stressed and overwhelmed when I called in. I was put right at ease and walked through every step of putting my loans on hold while I worked on an IDR. My employment has special challenges and these questions were also answered. I got off the phone feeling so much better. Thank you so much.”
Counseled borrower
“ECMC’s LoanTracker has helped us take control of our rising cohort default rates. Since using this product, our default rates have decreased an average of 46%!…It is extremely user-friendly, and the staff at Solutions at ECMC is helpful and responsive.”
Stacy Smith,Loan Resource Manager, Santa Barbara Business College
“Kou was so helpful and respectful. I prefer going to him as he knows my situation. I'm sure your other representatives are just as kind and respectful, but Kou is it for me.”
Counseled borrower
“What a helpful resource! At a very challenging time in my life, Lexi called and skillfully helped me to navigate my challenges with my student loan. She was professional, personable and gracious. Lexi supported me in reaching out to the loan servicer as well as the organization working on the discharge of my loan to verify that they had received my paperwork.”
Counseled borrower
Solutions Clients Map
Alaska
University of Alaska Fairbanks
Alabama
Jacksonville State University
Arizona
Allen School - Phoenix
Grand Canyon University
Mohave Community College
Pueblo CommunityCollege
California
American River College
Antelope Valley College
Bakersfield College
Berkeley City College (Peralta CC District)
Butte College
California Aeronautical University
California State University-San Bernardino
Career Care Institute
Citrus College
Coastline Community College
College of Alameda
College of Marin
College of the Siskiyous
Copper Mountain College
Cosumnes River College
Crimson Technical College
CSU Polytechnic Pomona
Cypress College
De Anza College
El Camino College
Federico Beauty Institute
Folsom Lake College
Fullerton College
Glendale Community College
Golden West College
International School of Beauty
Laney College
Lassen Community College
Laurus College
Long Beach City College
Los Angeles City College
Los Angeles Trade Technical College
Medical Career College
Mendocino College
Merritt College
Mt San Jacinto Community College
New York Film Academy
Orange Coast College
Otis College of Art and Design
Pasadena City College
Rio Hondo College
Sacramento City College
Saint Mary's of California
San Diego City College
San Diego Mesa College
Santiago Canyon College
Shasta College
Sierra College
Solano Community College
South Coast College
Southern California University of Health Sciences
Victor Valley College
West Hills College-Coalinga
Woodbury University
Colorado
Adams State University
Colorado Media School
Colorado Northwestern Community College
Community College of Denver
Lamar Community College
M&S Media
Morgan Community College
Northeastern Junior College
Otero Junior College
Pueblo Community College
Red Rocks Community College
Trinidad State Junior College
Connecticut
American Institute
Asnuntuck Community College
Capital Community College
Charter Oak State College
Eastern Connecticut State University
Gateway Community College
Housatonic Community College
Manchester Community College
Middlesex Community College
Naugatuck Valley Community College
Norwalk Community College
Quinebaug Valley Community College
Southern Connecticut State University
Three Rivers Community College
Tunxis Community College
University of New Haven
Western Connecticut State University
Delaware
Delaware State University
Florida
Altierus Career College - Tampa
American Institute
Ave Maria University
Broward College
Florida Agricultural and Mechanical University (FAMU)
International Training Careers
M&S Media
Miami Media School
National Aviation Academy of Tampa Bay
Schiller International University
The University of Tampa
Georgia
Altierus Career College - Norcross
Luther Rice College & Seminary
Idaho
College of Western Idaho
Lewis-Clark State College
Illinois
CCC Harold Washington Collge (City Colleges - Chicago)
CCC Harry S Truman College (City Colleges - Chicago)
CCC Kennedy-King College (City Colleges - Chicago)
CCC Malcolm X College (City Colleges - Chicago)
CCC Olive-Harvey College (City Colleges - Chicago)
CCC Richard J Daley College (City Colleges - Chicago)
CCC Wilbur Wright College (City Colleges - Chicago)