Manage default
Is a collection agency calling you about your student loans?
Was your tax refund withheld? Have you missed nine or more consecutive monthly payments? If you answered yes to any of these questions, you are probably in default. We can help you recover.
My loans
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Understand default
Have you received a Notice of Default? 
Default is a serious matter. The federal government can withhold your tax refunds. Your loan holder can garnish up to 15% of your wages. Default damages your credit score. And you can’t escape the fact that your loans must be repaid.
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Get help with default
If you’re in default, you probably realize that it is a serious situation. Even though your options are limited, we can help you understand your alternatives. The key is to act now.
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CSAC/EdFund Borrowers
Federal student loans guaranteed by CSAC and serviced by EdFund were transferred to ECMC. If you defaulted on your CSAC/EdFund student loans, you will now be making payments to and working directly with ECMC.
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Resolving issues and disputes
Having a defaulted loan can create a number of difficult situations. Find out about the most common issues and how to resolve them.
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Form 1098-E
If you paid interest on a federal student loan during the year, you can deduct the amount from your income taxes. The Form 1098-E will help you calculate and claim the Student Loan Interest Deduction.
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