• My loans Make a payment My loans Rehabilitate a loan Document center Form 1098-E
• Student loan basics Understand your loan(s) When to start paying your lender Repayment options with your lender/servicer Loan forgiveness and cancellation Budgeting strategies Working with student loan servicers
• When to start paying your lender
• Repayment options with your lender/servicer
• Loan forgiveness and cancellation
• Working with student loan servicers
• Preventing default Repayment plans with your lender Postpone payments Loan consolidation Loan forgiveness and cancellation Why paying is important

• Repayment plans with your lender
• Why paying is important
• Resolving default Understanding default Default repayment plan Pay in full Loan rehabilitation Loan cancellation Loan consolidation Resolving issues and disputes
• Resolving issues and disputes
• Bankruptcy Bankruptcy and student loans During bankruptcy After bankruptcy
• Bankruptcy and student loans

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We help students succeed.

The Department of Education has announced a “Fresh Start” initiative to help remove default statuses for loans that defaulted before March 13, 2020 More information is available here

For information on the Biden-Harris Administration’s Student Loan Debt Relief Plan, please see StudentAid gov/DebtRelief

ECMC is implementing COVID-19 flexibilities as described by the U S Department of Education in a March 30, 2021 press release For more information, read the full press release here

Please contact ECMC’s Customer Service department at 888-221-3262 if you have questions about your loans

Note: The U S Department of Education announced limited waivers allowing FFELP borrowers to receive Public Service Loan Forgiveness (PSLF) credit for past periods of repayment and providing one-time Income-Driven Repayment (IDR) account adjustments to bring borrowers closer to IDR forgiveness

• More information is available for the limited PSLF waiver at ecmc
• org/pslf and studentaid
• gov/PSLFwaiver
• More information for the IDR one-time adjustment is available at studentaid
• gov/idr-account-adjustment

Understanding student loans before you borrow may improve the chance you'll successfully manage the payments after you graduate

With a realistic budget and a smart repayment strategy, you can stay in control of your student loan payments from day one

Is ECMC attempting to contact you about your federal student loan(s)? Was your tax refund withheld? If you answered yes to either of these questions, your loan(s) may be in default

Student loans are unlike most other debts Chances are you will still need to repay them, even after bankruptcy Find out how your student loan(s) is impacted by bankruptcy

Prefer support by phone or email? Call us 855-810-4922 Send via U S mail Payments ECMC Lock Box 8639 P O Box 16478 St Paul, MN 55116-0478 Make a payment/Arrange to pay www ecmc org/myaccount Email us Call us 855-810-4922 Send via U S mail ECMC P O Box 16408 Paul, MN 55116-0408 Make a payment/Arrange to pay www ecmc org/myaccount Email us Call us 855-810-4922 Send via U S mail ECMC PO Box 16408 St Paul, MN 55116-0408 Make a payment/Arrange to pay www ecmc org/myaccount Email us Call us 855-810-4919 Send via U S mail ECMC Default Prevention Services P O Box 419035 Rancho Cordova, CA 95741-9035 Email us Call us 855-810-4920 Send via U S mail ECMC 111 Washington Avenue South Attention: Customer Service Suite 1400 Minneapolis, MN 55401 Email us Call us 888-363-4562 Send via U S mail ECMC P O Box 16408 St Paul, MN 55116-0408 Email us Call us 561-251-1339 Email us Call us 888-221-3262 Send via U S mail ECMC Attention: Default Aversion 111 Washington Avenue South Suite 1400 Minneapolis, MN 55401 Email us Send an Email Call us 888-221-3262 Send via U S mail ECMC 111 Washington Avenue South Attention: Customer Service Suite 1400 Minneapolis, MN 55401 Email us Send an Email