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What to expect with ECMC student loan servicing

The two biggest complaints about this servicer — and how to avoid them.

Educational Credit Management Corporation (ECMC) is a nonprofit company that guarantees and services student loans, including the Federal Family Education Loan Program (FFEL) loans. Its website offers several resources on how borrowers can manage student loans. But you need login credentials to get specifics on how repayment works with this servicer.

How repayments work with ECMC

ECMC provides limited information about student loan repayment options to the general public — you need to log in to get a full list of your options. It lists a mailing address and a phone number to make repayments, though it doesn’t provide instructions.

Most student loan servicers also allow you to pay online or enroll in automatic payments, which typically come with a 0.25% discount rate. ECMC also has a mobile app, which you might be able to use to make repayments.

By phone

Call the following number to make a payment over the phone:

Toll-free number: 855-810-4922

By mail

Mail all repayments to the following address via certified mail:

Lock Box 8639
P.O. Box 16478
St. Paul, MN 55116-0478

How can I pay off my loan early?

Typically, you can make additional payments toward your federal student loans at no extra cost, though ECMC also doesn’t provide information on how to do so to the general public.

Often servicers require you to specify how you’d like the repayments to be applied in writing or over the phone. If you’re interested in paying off your loans early, reach out to ECMC’s general customer service line before you get started.

How to contact customer service

ECMC has several different ways to get in touch with its customer service team — and different contact information depending on your question.

Over the phone

Reason for callingPhone number
  • General questions
  • Make a payment
  • Payment history
  • Accessing online account
  • Notice of default
  • Loan rehabilitation
  • Wage garnishment
  • Past-due student loan notice
  • Bankruptcy
  • ECMC Scholar questions

Send an email

Rather not rely on the phone or snail mail? You can also send ECMC an email by filling out a form on its website:

  1. Go to the ECMC website.
  2. Select Contact us in the top menu.
  3. Choose Student/borrower from the drop-down menu.
  4. Select your topic from the drop-down menu.
  5. Scroll down and fill out the required fields in the form with your personal and contact information.
  6. Hit Submit.

By mail

Reason for letterMailing address
  • General questions
  • Payment history
  • Accessing online account
111 Washington Avenue South
Attention: Customer Service
Suite 1400
Minneapolis, MN 55401-2108
  • Notice of default
  • Loan rehabilitation
  • Wage garnishment
PO Box 16408
St. Paul, MN 55116-0408
  • Past-due student loan notice
ECMC Default Prevention Services
PO Box 419035
Rancho Cordova, CA 95741-9035
  • Bankruptcy
PO Box 16408
St. Paul, MN 55116-0408

How to refinance your ECMC student loans

You can refinance your ECMC student loan by taking out a new loan with a private lender to pay off your balance. While refinancing is one way to change up your servicer when you’re unhappy with your experience, you might want to think twice if you have a federal student loan.

FFEL loans come with benefits that private lenders can’t offer, like income-driven repayment plans and multiple deferment and forbearance options. If you’re unhappy with ECMC as your servicer, consider taking out a Direct Consolidation Loan first — this allows you to keep your federal loans while switching servicers.

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How to avoid common problems with ECMC

ECMC gets mixed online reviews. As of February 2019, over 800 customers have filed complaints against it with the Consumer Financial Protection Bureau (CFPB) — far fewer than some of the larger servicers. And the Better Business Bureau (BBB) gives it an A+ based on factors like time in business and transparency.

But customers generally aren’t happy with their experience. It’s closed nearly 90 BBB complaints over the past three years. And all six customers that reviewed it on the BBB website gave it a 1 out of 5 star rating.

Here were the two top complaints reported by borrowers:

Attempts to collect the wrong amount

Several borrowers reported problems with ECMC’s debt collection efforts. In addition to servicing federal loans, ECMC sometimes takes on and collects delinquent student loans. Some customers claimed the servicer attempted to collect on debts they’d never taken out. Others said ECMC attempted to collect the wrong amount.

  • How to avoid it: Contact ECMC right away if it attempts to collect on a fraudulent loan or the wrong amount. If you believe you’re a victim of identity theft, report the incident to the Federal Trade Commission (FTC) online or by calling 877-438-4338. If you don’t hear a response from the servicer, file a complaint with the CFPB.

Difficulty changing repayment schedule

Some borrowers mentioned problems applying for a flexible repayment plan or transitioning into or out of forbearance. Several even claimed that ECMC reported to the credit bureaus that their loans were in default when they were simply in forbearance.

  • How to avoid it: Make a habit of regularly checking your credit when you change your repayment plan or apply for deferment or forbearance. If you notice a mistake on your credit report, contact ECMC’s customer service team right away and ask them to fix the error. If ECMC is unresponsive, file a complaint with the CFPB — it can investigate the incident.

What to expect with other student loan servicers

Bottom line

You need to log in to your account to get the most out of ECMC, since it doesn’t provide much information to the general public. If you need to get in touch with a representative, make sure you’re calling or mailing the right customer service team.

Not happy with your experience at ECMC? Consider applying for a consolidation loan or refinancing your student loans with a private provider. Check out our guide to student loans to learn more about how it all works.

Frequently asked questions

How do I apply for deferment or forbearance with ECMC?

You can apply for deferment with ECMC by logging in to your online account and completing a deferment or forbearance application. Read our guide to applying for deferment and forbearance for more details on what to expect.

How do I change my repayment plan with ECMC?

You can apply to change your repayment plan by logging in to your ECMC account and completing an application. You can learn about your different options first by reading our guide to student loan repayment programs.

Is ECMC a collection agency?

Yes, in addition to servicing student loans, ECMC is also a collection agency that handles repayments on student loans borrowers are struggling to pay back. ECMC offers a default repayment plan to help prevent you from falling behind and loan rehabilitation if you’re already in default.

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