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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.
For information on the Biden-Harris Administration’s Student Loan Debt Relief Plan, please see StudentAid.gov/DebtRelief.
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.
- More information is available for the limited PSLF waiver at ecmc.org/pslf and studentaid.gov/PSLFwaiver.
- More information for the IDR one-time adjustment is available at studentaid.gov/idr-account-adjustment.
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 >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.
Learn more >
