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(s) to discuss it with them.
If you don't know who your loan holder(s) 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 loan(s), download and complete a Tax Offset Hardship Refund Request form to request a 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
Administrative wage garnishment
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(s) to discuss it with them. If ECMC holds your loan(s), you may have already received the Notice Prior to Wage Withholding, which describes your rights as well as your option for requesting a hearing or exemption. If you have questions regarding the administrative wage garnishment process, call 855-810-4922. Send all completed forms to:
Attention: Wage Withholding Administrator
1 Imation Place, Building 2
Oakdale, MN 55128-3422
Your consumer report
You may also contact the loan holder(s) that provided the tradeline(s) to the consumer reporting agency. If ECMC holds your loan(s), contact us.
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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 >