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.) Send the form along with a copy of the notification letter and supporting documentation directly to us. Mail the form to:

ECMC
Attention: Tax Offset
1 Imation Place
Building 2
Oakdale, MN 55128

Or fax the form to:

651-325-3195
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. You will need to contact your loan holder to discuss it with them. If ECMC holds your loans, you probably already received the Request for Hearing or Exception form . When you complete this form, you can indicate if having your wages garnished causes you extreme financial harship. 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. You will need to file a dispute with each credit bureau listed below.

• Equifax
• Experian
• TransUnion
• Innovis, Inc.

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