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Filing Claims

ECMC requires servicers to submit transmittals with manually filed claims and/or with submitting collateral documents. The purpose of the transmittal is for servicers to receive confirmation that the claim and/or collateral has been received by the guarantor.

Section 13.1B of the Common Manual states that “To obtain confirmation that its claim submission has been received, the lender should include two copies of a transmittal letter with each submission. The guarantor may retain one copy of the transmittal letter and will sign and date the other copy and return it to the lender. This will provide the lender with a quick and simple method of ensuring that all claims are received by the guarantor. At a minimum, the transmittal letter should include the borrower name, Social Security number, and claim amount for each claim file, with a space for the guarantor to sign and date the letter.”

ECMC is committed to responding to all transmittals within five business days.

It is the servicer’s responsibility to ensure it receives confirmation that the claims and/or collateral documents have been received by the guarantor.

If the servicer does not receive a confirmed transmittal back from the guarantor within 10 business days, the servicer must immediately follow-up with the guarantor by sending an email to claim questions at

True and Exact Stamp Certification on Promissory Note Copies No Longer Required

Effective immediately, ECMC will no longer require the true and exact stamp on a promissory note copy.

This change applies to the ECMC portfolio and all portfolio's for which ECMC is the third-party guarantor servicer.

If you have questions, please contact Betsey Woods at

New Proof of Claim Form

The U.S. Bankruptcy Courts recently announced a new Proof of Claim form, Official Form 410, which replaces Official Form 10. This new form must be used for any Proof of Claim filed on or after April 1, 2022. When filing the Proof of Claim on behalf of the guarantor, please remember to use this new form. For the new form, click here.

Please share this information internally with the appropriate staff.

If you have questions regarding Proof of Claim filing, please contact 888-363-4562 or

Claim Documentation and Questions

Send all manual claims, electronic claim documentation, and any claim-related documents to:

Attn: Claims Unit
111 Washington Ave S
Suite 1400
Minneapolis, MN 55401

Claim-related questions should be directed to claim questions at

Electronic claims are to be sent via CAM file submissions.

For the claim payment process—two claim payment reports (one for each guarantor code) will be generated and payment made via check or ACH. These reports can be retrieved via ECMC's Online Reports.

Lenders and servicers must retrieve the Manual Claims Return Report via ECMC's Online Reports. This report is available weekly on Thursday morning. The date on the individual Manual Claims Return Letters included with the report (which is the Thursday date) will be your official notification date of the claim return.

To access ECMC's Online Reporting Tool (OLR) Contact Melissa Blahna at or 651-325-3241.

Print Claim Reimbursement Forms

Use the appropriate form below to request claim reimbursement for any FFELP loan guaranteed by ECMC.

Claim Form (Common)
Supplemental Claim Form (Common)
Reimbursement and Indemnity Agreement