35 Best Students Loan Debt Collectors And Their Contacts In 2022

What happens if your student loan arrears? If you’ve ever wondered what really happens when you are behind on your student loan, the answer is not that easy. That’s why you need any of the following Best Students Loan Debt Collectors and their Contacts.

College graduates have debts ranging from hundreds to hundreds of thousands of dollars in student loans.

While ignoring your student loan payments is not a good thing, under certain circumstances, you may not pay on time or there may be a total lack of payments.

In this article, we equip you with everything you need to know about Best Students Loan Collectors and their Contacts.

Table of Contents Hide
  1. What happens if you don’t pay student loans?
    1. Impact of the default on your student loan debt
  2. Is there any law protecting me in Debt collection?
  3. How Do I Find My Student Loan Debt Collector?
  4. Student Loan Debt Collection Agencies
    1. #1. Account Control Technology, Inc
    2. #2. Action Financial Services LLC.
    3. #3. American Student Assistance Corp
    4. #4. Bass & Associates
    5. #5. Central Research, Inc.
    6. #6. Coast Professional, Inc.
    7. #7. Collection Technology, Inc.
    8. #8. Collecto, Inc. dba Collection Company of America
    9. #9. Con Serve
    10. #10. Credit Adjustments
    11. $11. Debt Management and Collections System
    12. 12. National Payment Center
    13. #13. Delta Management Associates, Inc.
    14. #14. ECSI Federal Perkins Servicer
    15. #15. Educational Credit Management CORP
    16. #16. Enterprise Recovery Systems, Inc. now Alltran Education Inc.
    17. #17. Financial Asset Management Systems, Inc.
    18. #18. Florida Department of Education OSFA
    19. #19. FMS Investment Corp
    20. #20. GC Services
    21. #21. General Revenue Services (USA Funds)
    22. #22. Immediate Credit Recovery Inc.
    23. #23. Michigan Guaranty Agency
    24. #24. National Recoveries
    25. #25. National Credit Services
    26. #26. New York Higher Education Loan Program (NYHELP)
    27. #27. Pennsylvania Higher Education Assistance Agency
    28. #28. Pioneer Credit Recovery, Inc.
    29. #30. Progressive Financial
    30. #31. The CBE Group, Inc.
    31. #32. U.S. Department of Treasury Debt Management Services
    32. #33. Van Ru Credit Corporation
    33. #34. West Asset Management, Inc.
    34. 35. Windham Professionals, Inc.
  5. How do I fight a student loan collection agency?
  6. How to Avoid Student Loan Default
    1. Students Loan Debt Collectors-FAQs
  7. Conclusion
  8. References
  9. Editor’s Recommendation

What happens if you don’t pay student loans?

If you miss a payment for your federal student loan, you have 270 days to make a payment before your debt arrears. Once the federal student debt is in arrears, the government can garnish your wages, your social security check, your federal tax refund, and even your disability benefits.

This will most likely lead to a serious situation called student loan cancellation.

And if your student loan defaults, your student loan service provider will transfer your loan to a third-party debt collection agency. And that can be strange to many borrowers.

Here’s what you need to know about dealing with student loan debt collection agencies, including the full list of all debt collection agencies that work on behalf of the Department of Education so you can be sure you won’t be cheated.

Impact of the default on your student loan debt

  • Low creditworthiness after reporting a bad payment history. Higher interest rates if you have to take out other loans for your new low credit rating.
  • Fees from the collection agency
  • Possible garnishment of wages
  • Legal action – if your student loan company or government sues you
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If you are in arrears with your student loans, you will need to communicate with the collection agency that has been assigned your debt. You have several options, including student loan rehabilitation, drawing up a repayment schedule with them, or possibly even paying the debt.

Once your loans have been transferred to a student loan collection agency, you will need to use a new portal to access your loans.

Remember, these companies are third-party debt collection agencies, and there are laws that restrict what they can and cannot do.

Don’t get into trouble with student loan collectors. Click here to know

What Happens If You Don’t Pay Student Loans? 10 Shocking Options

Is there any law protecting me in Debt collection?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits the ability of debt collection agencies to collect certain types of debt. The federal law on fair credit reporting regulates how debt collection is shown in credit reports. There are also state laws that provide protection.

These companies are NOT allowed to:

  • Contact you before 8 a.m. or after 9 p.m. Even if a debt collection agency knows that you may not receive the communications from the debt collection agency at work, the debt collection agency may not contact you there.
  • The debt collector must not bother you or anyone else in relation to the debt.
  • If you ask the collection agency to stop contacting you in writing, they will no longer need to contact you unless they take legal measures against you, such as: Filing a lawsuit (in which case you will need to consult a student loan lawyer as soon as possible).
  • If a debt collector contacts you about your student loan debt, they must provide you with the following information about your debt:
  • The name of the creditor (this is your student loan provider and should appear familiar to you)
  • The amount owed (remember that this amount may be much higher than your original debt due to accrued interest and late payment fees).
  • That you can meet the debts
  • That you can request the name of the original creditor if it differs from the current one

How Do I Find My Student Loan Debt Collector?

After taking your student loan and putting it to good use, you would want to pay back the loan as stated in your agreement. Most times, the challenge becomes finding the right collection agency assigned to your default loan.

According to Student Aid, to determine the collection agency assigned to your defaulted loan, contact the current holder (the lender with which you have an account and to which you owe a debt). The U.S. Department of Education contracts with several collection agencies to collect on defaulted loans.

Student Loan Debt Collection Agencies

There are over 30 different student loan collection agencies, many with names you won’t be familiar with. If one of them reaches you, take it seriously.

Below is a list of Best Students Loan Debt Collectors and their Contacts and their contact information if you need to contact them.

These companies do change from time to time, and we strive to keep this information as current as possible.

  • Account Control Technology, Inc
  • Action Financial Services LLC.
  • American Student Assistance Corp
  • Bass & Associates
  • Central Research, Inc.
  • Coast Professional, Inc.
  • Collection Technology, Inc.
  • Collecto, Inc. dba Collection Company of America
  • Con Serve
  • Credit Adjustments
  • Debt Management and Collections System
  • Delta Management Associates, Inc.
  • ECSI Federal Perkins Servicer
  • Educational Credit Management CORP
  • Enterprise Recovery Systems, Inc.
  • Financial Asset Management Systems, Inc.
  • Florida Department of Education OSFA
  • FMS Investment Corp
  • GC Services
  • General Revenue Services (USA Funds)
  • Immediate Credit Recovery Inc.
  • Michigan Guaranty Agency
  • National Recoveries
  • National Credit Services
  • New York Higher Education Loan Program (NYHELP)
  • Pennsylvania Higher Education Assistance Agency
  • Pioneer Credit Recovery, Inc.
  • Premiere Credit of North America, LLC
  • Progressive Financial
  • The CBE Group, Inc.
  • U.S. Department of Treasury Debt Management Services
  • Van Ru Credit Corporation
  • West Asset Management, Inc.
  • Windham Professionals, Inc.
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#1. Account Control Technology, Inc

P.O. Box 8012

Canoga Park, CA 91309

(888) 830-7770


#2. Action Financial Services LLC.

2055 Cardinal Ave

Medford, Oregon 97504



#3. American Student Assistance Corp

33 Arch Street, Suite 2100

Boston, MA 02110

#4. Bass & Associates

Student Loan Department

P.O. Box 66080

Tucson, AZ 85728

(855) 533-1107


#5. Central Research, Inc.

122 N. Bloomington, Suite I

Lowell, AR 72745

(479) 419-5456


#6. Coast Professional, Inc.

P.O. Box 2876

West Monroe, LA 71294

(888) 815-2843


#7. Collection Technology, Inc.

P.O. Box 2300

Rancho Cucamonga, CA 91729

(800) 743-4284


#8. Collecto, Inc. dba Collection Company of America

PO Box 329

Norwell, MA 02061

(877) 395-5997


#9. Con Serve

200 CrossKeys Office Park

Fairport, NY 14450

(800) 724-7500


#10. Credit Adjustments

330 Florence St.

Defiance, OH 43512

(800) 544-6359


$11. Debt Management and Collections System

U.S. Department of Education

PO Box 5609

Greenville, TX 75403-5609


12. National Payment Center

PO Box 105028

Atlanta, GA 30348-5028

(800) 621-3115


#13. Delta Management Associates, Inc.

P.O. Box 9242

Chelsea, MA 02150-9242

(855) 282-5983


#14. ECSI Federal Perkins Servicer

100 Global View Drive Suite 800

Warrendale, PA 15086

(888) 549-3274


#15. Educational Credit Management CORP

PO Box 16408

St. Paul, MN 55116-0408

(855) 810-4922


#16. Enterprise Recovery Systems, Inc. now Alltran Education Inc.

840 S Frontage Rd

Woodridge, IL 60517-4900


#17. Financial Asset Management Systems, Inc.

1967 Lakeside Pkwy #400, Tucker,

GA 30084, United States

(800) 399-4639


#18. Florida Department of Education OSFA

Local Metro Area

Tallahassee, Fl



#19. FMS Investment Corp

1701 Golf Rd 2 – 150, Rolling Meadows,

IL 60008, United States


#20. GC Services

6330 Gulfton

Houston, TX 77081

(800) 756-6524


#21. General Revenue Services (USA Funds)

4660 Duke Drive

Suite 300

Mason, OH 45040-8466

Phone: (800) 234-1472


#22. Immediate Credit Recovery Inc.

6 Neptune Road

Suite 110

Poughkeepsie, New York 12601

(800) 234-4271, (855) 889-3111


#23. Michigan Guaranty Agency

P.O Box 30462

Lansing, MI 48909-7962



#24. National Recoveries

P.O. BOX 120666

ST. PAUL, MN 55112



#25. National Credit Services

PO Box 580

Bothell, WA 98041-0580

(800) 324-7564


#26. New York Higher Education Loan Program (NYHELP)

​​99 Washington Avenue

Albany, New York 12255

(800) 888-0741


#27. Pennsylvania Higher Education Assistance Agency

Pennsylvania State Grant Program

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P.O. Box 8157

Harrisburg, PA 17105-8157

(800) 692-7392


#28. Pioneer Credit Recovery, Inc.

26 Edward St.

Arcade, NY 14009

(585) 492-1234


#29. Premiere Credit of North America, LLC

PO Box 19309

Indianapolis, IN 46219



#30. Progressive Financial

424 NE 2nd Street

Oklahoma City, OK 73104 NMLS ID #214427


#31. The CBE Group, Inc.

PO Box 900

Waterloo, IA  50704


#32. U.S. Department of Treasury Debt Management Services

Treasury Building 1500 Pennsylvania Avenue,

NW Washington, D.C., U.S

(855) 837-2985


#33. Van Ru Credit Corporation

P.O. Box 2751

Des Plaines, Illinois 60017

(800) 468-2678


#34. West Asset Management, Inc.

171 Mercy Rd., Omaha, NE 68106

(402) 391-5285

(800) 397-7243


35. Windham Professionals, Inc.

380 Main Street

Salem, NH 03079

(800) 969-0059


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Pros and Cons of Student Loans in 2022

How do I fight a student loan collection agency?

Once your student loans are sent to a collection agency, there are five steps you can take to get back on track.

  • Dispute the debt. First, make sure that the information from the collection agency is correct.
  • Pay off your debts.
  • Pay the amount owed.
  • Merge or rehabilitate your loans.
  • Declare bankruptcy.

How to Avoid Student Loan Default

Of course, the easiest way to avoid having to deal with any of these companies is to avoid student loan default altogether. Make sure you understand what type of loan you have and commit to making your payments on time.

Also look for student debt relief options such as refinancing, deferment or forbearance, and even student loan forgiveness.

Student loan forgiveness is not a quick fix and you’ll still have to pay on your student loans but it’s wise to see if you qualify if you hold federal student loans.

Students Loan Debt Collectors-FAQs

Do student loans go to collection agencies?

Student loans don’t go away until you’ve paid them off. The timeframe may vary for private loans depending on the terms and conditions of the loan.

Once you default, the entire balance of your loan comes due. But just because you default, it doesn’t mean your debt automatically goes to a collections agency.

Can I dispute student loan debt?

The only thing you can do is dispute the student loans on your credit report if they are being reported incorrectly.

However, there’s a bright side. If you’re paying your loans on time each month, that looks good on your credit report. It’s actually not a bad thing that your student loans are on your credit report.

Do student loans go away after 7 years?

Normally, a defaulted debt will fall off a report after 7.5 years from the date of the first missed payment. A defaulted federal student loan, older than 7 years may not appear on a credit report. However, because there is no Statute of Limitations, collections can and will continue.


You need to be sure that you are able to pay off your students’ loans as easily as possible. For you to achieve you need to be aware of the various and trusted Students Loan Debt Collectors and their Contacts and take advantage of their services.


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