With the Right Planning, You Can Successfully Pay Back Your Loan(s)

We offer tools and information to help you manage student loan payments.

Understand Your Loan(s)

You need to know about different loan types, who your servicer(s) is and what is expected of you. We can help you understand what having a student loan really means.

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When to Start Paying

You can start paying anytime, even while you're in school. But once your grace period ends, you must start paying. We have all the details on getting ready to make that first payment.

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Repayment Options

There's more than one way to pay back your student loan(s). We can help you navigate your repayment options so you can create a smart plan for repaying your student loan(s).

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Loan Forgiveness and Cancellation

Working in public service—whether teaching at an underserved school or joining the U.S. Military—may forgive some of what you owe. And in some cases, such as fraud, federal student loans can be canceled completely.

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Budgeting Strategies

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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Working with Student Loan Servicers

Your servicer(s) is there to help, but it's good to be prepared when you call. We can help you sort through the details so you can ask the right questions.

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Student Loans Are Unlike Most Other Debts

They are not automatically discharged unless the bankruptcy court finds an undue hardship in a separate adversary proceeding. Find out how your student loan(s) is impacted by bankruptcy.

Bankruptcy and Student Loans

Filing for bankruptcy is a difficult decision. Before you file, you should understand how bankruptcy will impact your student loan(s).

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During Bankruptcy

While you’re in bankruptcy, you aren’t required to make direct regular monthly payments on your student loan(s) unless your bankruptcy plan provides for direct payment outside of your Chapter 13 plan. Your student loan creditors may be scheduled to receive a distribution from your Chapter 13 trustee. Regardless, interest on the student loan(s) continues to accrue.

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After Bankruptcy

If you have an outstanding student loan(s), once you’re out of bankruptcy, it may be time to start paying it back. But who owns your loan(s)? And how much do you owe? We can help you navigate the post-bankruptcy complexities.

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Pursue Your Dream of Going to College

These resources can help you make informed decisions about planning and paying for college.

Opportunities Guide and Workbook

This free college planning publication provides students and families with important information and tools to guide their pursuit of postsecondary education. Opportunities books are available in English and Spanish.

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Financial Awareness Basics | FAB

Find information, tips and tools for managing your money.

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Resource Guides

The college resource guides cover a range of topics related to preparing for and going to college.

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Estimate Your College Costs

Before you file the Free Application for Federal Student Aid (FAFSA), there are ways to get an estimate of how much college may cost you.

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Students Whose Schools Engaged with Solutions

This link will take you to the Solutions website where we can help you understand the complexities of student loan repayment.

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Opening Minds to the Promise of Higher Education

We provide educators free curricula and training, because we believe every student who wants to go to college should have the opportunity.

Believing the College Dream (Middle School)

Believing the College Dream helps you motivate students to dream big and gives them practical skills to make their dreams happen.

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Realizing the College Dream (High School)

Realizing the College Dream makes the economic necessity of a college education clear and debunks the myth that college is unaffordable.

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Persist in Higher Education (Postsecondary)

Persist in Higher Education helps you support low-income, first-generation students of all ages so they stay in school and graduate.

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Professional Development Workshops

We provide free workshops across the country for educators and community members who want to make our curricula a part of their college access programs.

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Download an Educator Guide

Our three curricula are available for immediate download at no cost.

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Solutions To Help Schools Support Student for Lifelong Success

Our Solutions suite of services includes financial literacy, student loan repayment counseling and default prevention.

Solutions Services

Our Solutions suite of services includes financial literacy, student loan repayment counseling and default prevention.

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About Solutions

ECMC Solutions mission-based portfolio supports real people with meaningful impact. As part of our mission and values, our policy is to devote the resources necessary to ensure a smooth and timely implementation and ongoing quality services.

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Solutions Clients and Testimonials

Explore the schools we work with and read what our school and student customers have to say about us.

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Your Reliable Partner in Supporting Higher Education Finance

We support your business with flexible online tools that help you manage your loan operations with ECMC.

Default Prevention

When it comes to preventing default, we take a direct approach. We build individual relationships with borrowers and help them keep their student loans in good standing.

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Portfolio Management

Our flexible portfolio management tools help you streamline your operations.

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Financial Literacy

We help students make informed decisions about financing their education so they can successfully repay their student loans.

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Training

Training to Keep You Up-to-date

ECMC is pleased to offer webinars that provide you with timely, up-to-date information in a concise format—giving you the right amount of information in the right amount of time. Our webcasts are at no cost to you.

Upcoming Webinars

Topic	Register
Cost Saving Strategies – Reducing Costs at the Grocery	Register for Wednesday, September 3, 2025 at 1:00 PM ET
Cost Saving Strategies – Reducing Transportation Costs	Register for Wednesday, September 10, 2025 at 1:00 PM ET
Cost Saving Strategies – Reducing Utility Costs	Register for Wednesday, September 17, 2025 at 1:00 PM ET
Cost Saving Strategies – Reducing Digital Expense Costs	Register for Wednesday, September 24, 2025 at 1:00 PM ET
ECMC Resources	Register for Wednesday, October 8, 2025 at 1:00 PM ET
Cryptocurrency	Register for Wednesday, October 22, 2025 at 1:00 PM ET
Managing Holiday Spending	Register for Wednesday, November 12, 2025 at 1:00 PM ET

Outreach and Financial Literacy Staff

If you need assistance or have questions about our webinars, please contact one of our Outreach and Financial Literacy staff.

Tom Bailey Outreach Director 760-333-1370 tbailey@ecmc.org	Brenda McCafferty Outreach Director 601-214-7224 bmccafferty@ecmc.org

Manage and Maintain Your ECMC Account Through Secure, Online Access.

With the Right Planning, You Can Successfully Pay Back Your Loan(s)

We offer tools and information to help you manage student loan payments.

Managing Your Federal Student Loan(s) Can Seem Overwhelming—We’re Here to Help

If your federal student loan(s) is in default, you probably realize that it is a serious situation. However, there may be options available to you. We can help you understand which alternatives fit your personal situation. Contact us at 855-810-4922.

Student Loans Are Unlike Most Other Debts

They are not automatically discharged unless the bankruptcy court finds an undue hardship in a separate adversary proceeding. Find out how your student loan(s) is impacted by bankruptcy.

Pursue Your Dream of Going to College

These resources can help you make informed decisions about planning and paying for college.

Opening Minds to the Promise of Higher Education

We provide educators free curricula and training, because we believe every student who wants to go to college should have the opportunity.

Solutions To Help Schools Support Student for Lifelong Success

Our Solutions suite of services includes financial literacy, student loan repayment counseling and default prevention.

Your Reliable Partner in Supporting Higher Education Finance

We support your business with flexible online tools that help you manage your loan operations with ECMC.

Training

Training to Keep You Up-to-date

Upcoming Webinars

Outreach and Financial Literacy Staff

Contact Us