Selecting a lender

This chart allows you to compare processing and servicing options for ECMC-participating lenders.

  • Printable version of this chart - Download Download Adobe Acrobat Here
  • List of participating lenders to give to students and parents - Download Download Adobe Acrobat Here
Lender Name Lender Code Serviced By ECMC Disbursements ECMC PLUS
Pre-Approval		 ECMC E-Signature
Academic Financial Services 834179 ACS No No No
Access Group, Inc. 808851 KHESLC No No No
Affinity Direct 834231 Sallie Mae No No No
ALL Student Loan (CA borrowers or schools only) 833752 Sallie Mae, ACS, ALL Student Loan Servicing Corp. No No No
832919 Sallie Mae, ACS, ALL Student Loan Servicing Corp. No No No
AMS Educational Loan Trust 833067 Sallie Mae Yes4 Yes Yes
833079 Nelnet Yes4 Yes Yes
833471 ACS Yes4 Yes Yes
AMSA Advantage Loan Program 833874 Nelnet No No No
Ardent Financial, LLC 834368 ACS Yes Yes Yes
Arlington Schools Federal Credit Union 828209 N/A No No No
ASAP/Union 830868 Nelnet No No No
Bank of America 824421 ACS Yes2 Yes Yes
806746 Sallie Mae Yes2 Yes Yes
805243 Sallie Mae Yes2 Yes Yes
831495 Sallie Mae Yes2 Yes Yes
818334 MOHELA Yes Yes Yes
Bank of Northumberland 811098 Sallie Mae No No No
Banker's Fidelity Life Insurance Company 827057 Sallie Mae No No No
Boone County National Bank 806773 MOHELA No No No
Chartway Federal Credit Union 827967  N/A No No No
Chase - JPMorgan Chase Bank 803000 Chase (CFS-Sun Tech Yes2, 4 Yes Yes
808588 ACS Yes2, 4 Yes Yes
808732 Nelnet Yes2, 4 Yes Yes
818590 Edfinancial Services Yes2, 4 Yes Yes
826884 Edfinancial Services Yes2, 4 Yes Yes
807807 Sallie Mae Yes2, 4 Yes Yes
811925 Sallie Mae Yes2, 4 Yes Yes
824206 Sallie Mae Yes2, 4 Yes Yes
818093 Sallie Mae Yes2, 4 Yes Yes
Chela Education Funding 833953 Nelnet Yes4 Yes Yes
Citibank 826878 N/A Yes4 Yes Yes
830548 N/A Yes4 Yes Yes
Citizens Bank 810240 Sallie Mae Yes Yes Yes
833881 Sallie Mae Yes Yes Yes
833880 AES Yes Yes Yes
Citizens Bank & Trust Company1  811118 N/A No No No
Commonwealth One / Federal Credit Union 824264  Sallie Mae Yes Yes Yes
Consolidated Bank & Trust Company1  824220 N/A No No No
County of Henrico FederalCredit Union 831605  N/A No No No
Dupont Fibers Federal Credit Union (Richmond) 829426  N/A No No No
Edamerica (edsouth) 831453  Edfinancial Services Yes2, 4 Yes Yes
Fifth Third Bank 803408 N/A Yes No Yes
First Horizon Bank 810643 Edfinancial Services Yes2, 4 Yes Yes
First National Bank of Clifton Forge1  819234 N/A No No No
First State Bank 811223 N/A No No No
First Tennessee Bank 810563 Edfinancial Services Yes Yes Yes
Harbor Bank 833328  N/A No No No
Independence Federal Savings Bank 831036  Sallie Mae Yes2 Yes Yes
Key Bank, NA 813760 Student Loan Servicing No No No
811025 GLHEC No No No
808959 AES/PHEAA No No No
MEDinvest 834058 N/A Yes Yes Yes
MEDPreferred LLC 834058 ACS Yes4 Yes Yes
MyRichUncle 834173 ACS No No No
Nellie Mae 829076 Sallie Mae Yes Yes Yes
Nelnet Academic Loan 833669 Nelnet Yes4 Yes Yes
Nelnet College Loan 829489 Nelnet Yes4 Yes Yes
Nelnet Student Loan 833895 Nelnet No No No
NextStudent 834051 ACS Yes2 Yes No
Northwest Federal Credit Union 827908 N/A No No No
Omnis Student Loans 834376 Sallie Mae Yes Yes Yes
PNC Education Center 809921 ACS Yes4 Yes Yes
809402 Indiana Secondary Market Yes4 Yes Yes
Regions Bank 810612 Sallie Mae Yes4 Yes No
Roanoke Postal Employees FCU 829210 N/A No No No
Salem VAMC Federal Credit Union 820758 N/A No No No
Sallie Mae 802218 Sallie Mae Yes Yes Yes
Southwest Student Services 830630 Sallie Mae No No No
Student Loan Finance Association/WA-OR-ID First 829691 ACS No No No
833789 Sallie Mae Yes Yes Yes
Student Loan Fund of Idaho Marketing Association 827116 Student Loan Fund of Idaho Marketing Association No No No
Student Loan People 826688 AES No No No
SunTrust Education Loans 811304 AES Yes2, 4 Yes Yes
811353 Nelnet Yes2, 4 Yes Yes
819873 ACS Yes2, 4 Yes Yes
820564 Sallie Mae Yes2, 4 Yes Yes
824135 Nelnet Yes2, 4 Yes3 Yes
810691 SunTrust Yes2, 4 Yes3 Yes
T.H.E. Loan Program 833529 GLHEC No No No
U T Federal Credit Union 834258 Xpress Loan No No No
US Bank 815678 Student Loan Finance Corp Yes Yes Yes
US Education Finance Corporation 833770 Sallie Mae Yes Yes Yes
Virginia Educators' Credit Union 831219 N/A Yes No No
Wachovia 830005 N/A Yes2, 4 Yes Yes
Wells Fargo EFS 807176 N/A Yes Yes No

1This lender does not make Federal PLUS loans.
2 ECMC disbursements must be approved on a school-by-school basis by this lender.
3 This lender does not participate in ECMC's auto credit process where credit decisions are provided instantaneously.
4 ECMC can disburse for this lender through the National Disbursement Network (NDN).