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, contact us. We can help you find a solution.
Below are common issues facing borrowers with defaulted loans:
Tax offsets: requesting a hardship review
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 Statement of Financial Status form 
. (Note: Complete this form only if your taxes have already been filed and you have received notification that your refund has been withheld.) Mail the form, along with a copy of the notification letter and supporting documentation, directly to ECMC:
ECMC
Attention: Tax Offset
1 Imation Place
Building 2
Oakdale, MN 55128
Or fax the form to:
1-877-645-7479
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 Statement of Financial Status form . Send all completed forms to:
ECMC
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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Get help from the Ombudsman
If you have a student loan dispute that you are unable to resolve on your own after having tried all other options, the Ombudsman can help.
Learn more about the Ombudsman
