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 >