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The Department of Education has announced a “Fresh Start” initiative to help remove default statuses for loans that defaulted before March 13, 2020. More information is available here.

COVID-19 Impact

ECMC is implementing COVID-19 flexibilities as described by the U.S. Department of Education in a March 30, 2021 press release. For more information, read the full press release here.

Please contact ECMC’s Customer Service department at 888-221-3262 if you have questions about your loans.

Note: The U.S. Department of Education announced limited waivers allowing FFELP borrowers to receive Public Service Loan Forgiveness (PSLF) credit for past periods of repayment and providing one-time Income-Driven Repayment (IDR) account adjustments to bring borrowers closer to IDR forgiveness.

  • Student Loan Basics

    Understanding student loans before you borrow may improve the chance you'll successfully manage the payments after you graduate.

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  • Preventing Default

    With a realistic budget and a smart repayment strategy, you can stay in control of your student loan payments from day one.

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  • Resolving Default

    Is ECMC attempting to contact you about your federal student loan(s)? Was your tax refund withheld? If you answered yes to either of these questions, your loan(s) may be in default.

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  • Understand Bankruptcy

    Student loans are unlike most other debts. Chances are you will still need to repay them, even after bankruptcy. Find out how your student loan(s) is impacted by bankruptcy.

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