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Options to contact us regarding loans in default
If ECMC is the holder of your defaulted student loan, select one of the options below to contact us.

Option 1

  • Does account number begin with an “E”?
  • Were you previously working with CSAC or EdFund?

If you answered, “yes” or "unsure" to either question, use the following contact information.

Call us
1-855-810-4922

Send via U.S. mail
ECMC
Attn: Collections
PO Box 419045
Rancho Cordova, CA 95741-9045

Make a payment/Arrange to pay
www.ecmc.org/myaccount

Option 2

All others, use the following contact information.

Call us
1-855-810-4921

Send via U.S. mail
ECMC
PO Box 75906
St. Paul, MN 55175

View your account history and status
https://www.ecmc.org/register/Login.do

    I can't afford my payments, how can I lower them? Are there ways to get my loans forgiven or even canceled? I have missed several payments now what? I'm worried I won't be able to make my payment, what can I do? What if I don't pay?