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Loan Rehabilitation

Successful Federal Student Loan Rehabilitation Will Remove Your Loan(s) from Default

Find out if you qualify to participate in the loan rehabilitation program.


Overview

Some of the benefits of successfully completing the student loan rehabilitation program include:

  • Bringing your federal student loan(s) out of a default status
  • Requesting the deletion of ECMC's tradeline from your credit history
  • Reinstating your eligibility for income-driven repayment options
  • Making your federal student loan(s) eligible for applicable forbearance and deferment benefits
  • Restoring your eligibility for future Title IV federal financial aid, including federal grants

Since the completion of the rehabilitation program and its benefits are only available one time, it is important that you are prepared to commit to making nine qualifying payments within the 10-month period. After the loan(s) has been removed from default and transferred to an eligible lender, your new lender or servicer will work with you to establish a new payment arrangement.

To inquire about rehabilitating your defaulted federal student loan(s), contact ECMC at 855-810-4922. Our hours of operation are Monday-Thursday, 7 a.m.-5 p.m., and Friday, 7 a.m.–4 p.m., Central time. To expedite a discussion of rehabilitation payment options, you should have your most recent federal tax return available when you call. You may also complete the rehabilitation application process online through the following link:

Apply for rehabilitation

Click here to watch a short video about Loan Rehabilitation.