Welcome to ECMC

We help students succeed.

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: Borrowers who work in public service may qualify for loan forgiveness under a temporary waiver of certain Public Service Loan Forgiveness program requirements. More information is available at ecmc.org/pslf and studentaid.gov/PSLFwaiver.

Student loan basics

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

Learn more >

Preventing default

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

Learn more >

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.

Learn more >


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.

Learn more >

Have a loan with a company other than ECMC?