Resolving issues and disputes
Below are common issues facing borrowers with defaulted loans:
Tax and non-tax offsets
If federal or state governments have withheld your tax refund or other government payments and this is causing you financial hardship, contact your loan holder to discuss it with them.
If you don’t know who your loan holder is, go to the National Student Loan Data System (NSLDS), which is the central database for all federal student loan information. If ECMC holds your loans, download and complete a Tax Offset Hardship Refund Request form to request a TOP Hardship Review due to offset of federal or state taxes. (Note: Complete this form only if your taxes have already been filed and you have received notification that your refund has been withheld.) For offset of non-tax payments such as Social Security benefits, federal travel reimbursement or federal Contractor payment download and complete a Non-Tax Payment Offset Hardship Refund Request form. Mail the appropriate form, along with a copy of any required supporting documentation, such as the notification, directly to ECMC:
P.O. Box 16408
St. Paul, MN 55116-0408
Or fax the form to:
Attention: Tax Offset
Garnished wages: avoiding and stopping it
If you receive an administrative wage garnishment notification, you have the right to object to the wage garnishment. Within 30 days of receiving the notification, contact your loan holder to discuss it with them. If ECMC holds your loans, you probably already received the Request for Hearing or Exemption form . When you complete this form, you can indicate if having your wages garnished causes you extreme financial hardship. If that is the case, you must also complete a U.S. Department of Education Financial Disclosure Statement form . Send all completed forms to:
Attention: Wage Withholding Administrator
P.O. Box 64909
St. Paul, MN 55164-0909
Your credit score: disputing credit reports
You can dispute any credit entry made by a loan holder by filing an online dispute with the national credit bureaus. If you disagree with any information, you can dispute any credit entry.
File credit disputes online with the national credit bureaus:
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Loan cancellation: see if you qualify
All federal student loans have built-in protection against things like fraud, school closings, permanent disability and death.
Learn about whom to contact, the types of loan cancellation, eligibility requirements and applicable forms.
Learn more about loan cancellation >