All 39 Student Loan Collection Agencies and Their Contact Information

Dealing with student loan collection agencies can be a total pain. Here’s a list of all 39 debt collectors and how to contact them.

If you default on your student loans, it’s very likely that your loans are sent to collections. Which means the Department of Education hires a third-party collection agency to try and collect on your debt.

Don’t know what it means when your student loans are in collections?

It’s important to know your rights when dealing with these collection agencies. It’s also vital to know how to contact them in case of any mixups. Your loan servicer will help come up with a repayment plan or a loan forgiveness plan. Keep in mind there will be collection fees that will incur, but hopefully you can be put on a monthly payment plan or have the state do a wage garnishment plan so you are not too overwhelmed by the process. During these unforeseen covid days, many people are defaulting on their loans so they are trying to work with you as best and reasonable as possible.


Debt collection laws are on your side

The FTC (Federal Trade Commission) enforces the FDCPA (Fair Debt Collection Practices Act). This act protects you by prohibiting debt collectors from using abusive, unfair or deceitful practices to try and collect from you.

Here’s a list of things a debt collection agency may NOT do:

  • They may not pretend to be someone else – like a government agent or lawyer.
  • They are not allowed to call you before 8 am or after 9 pm.
  • They may only call you at work if they’re told that you are allowed to receive calls at work.
  • They may not talk to anyone besides you, your spouse or your lawyer in regards to your student loan debt.
  • They can’t harass you which includes repeatedly using the phone to annoy you.
  • They can’t make false statements.
  • They’re prohibited from saving that you can be arrested or that they’ll garnish your property or wages.

Do you believe a debt collection agency has violated the law?

If you believe that the debt collection agency in charge of collecting from you has broken the law, you have the right to sue them within a year of the occurrence.

For any alleged violations against a debt collection agency, you should also report them to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

All 39 Student Loan Debt Collection Agencies

Below is a full list of all student loan debt collection agencies. Keep in mind however that these companies go in and out of business, so it’s possible that over time this list can become inaccurate. I will, however, attempt to keep this list as up-to-date as possible.

Please leave a comment if your debt collector isn’t listed or their address or website has changed.

1. Account Control Technology, Inc

account control technology collection agency

P.O. Box 11750
Bakersfield, CA 93389-1750d

2. Action Financial Services LLC.

2055 Cardinal Aveaction financial services collection agency
Medford, Oregon 97504

3. Alltran Education

P.O. Box 9088alltran education collection agency
Woodridge, IL 60517

4. American Student Assistance Corp

100 Cambridge Streetamerican student assistance collection agency
Suite 1600
Boston, MA 02114

5. Bass & Associates

P.O. Box 66080bass and associates collection agency
Tucson, AZ 85728-5478

6. Central Research, Inc.

central research inc collection agency

P.O. Box 1460
Lowell, AR 72745-1460

7. Coast Professional, Inc.

P.O. Box 2899coast professional agency
West Monroe, LA 71294
[email protected]

8. Collection Technology, Inc.

P.O. Box 2300collection technology
Rancho Cucamonga, CA 91729
1- (800) 743-4284
[email protected]

9. Collecto, Inc. dba Collection Company of America

PO Box 329eos cca logo
Norwell, MA 02061
(877) 395-5997

10. Con Serve

200 CrossKeys Office Parkcon serve
Fairport, NY 14450
1 – (800) 724-7500
[email protected]

11. Credit Adjustments

P.O. Box 5640
Manchester, NH 03108
[email protected]

12. Debt Management and Collections System

PO Box 5609debt management and collections system
Greenville, TX 75403-5609

13. Delta Management Associates, Inc.

P.O. Box 9242delta management assocates
Chelsea, MA 02150-9242
(855) 282-5983
[email protected]

14. ECSI Federal Perkins Servicer

100 Global View Drive Suite 800heartland ecsi logo
Warrendale, PA 15086
(888) 549-3274

15. Educational Credit Management CORP

PO Box 16408ecmc collection agency
St. Paul, MN 55116-0408
(855) 810-4922

16. Enterprise Recovery Systems, Inc.

Recently bought by Alltran.

(800) 377-1904

17. FH Cann & Associates

fh cann associates agency

P.O. Box 877
North Andover, MA 01845

18. Financial Asset Management Systems, Inc.

1 – (800) 399-4639fams collection agency logo

19. Florida Department of Education OSFA

Local Metro Areaflorida osfa
Tallahassee, Fl

20. FMS Investment Corp

1701 Golf Roadfms financial management systems logo
Suite 2 – 150
Rolling Meadows, Illinois 60008

21. GC Services

P.O. Box 27346gc serv logo
Knoxville, TN 37927

22. General Revenue Services (USA Funds)

4660 Duke Drivegeneral revenue services
Suite 300
Mason, OH 45040-8466
1-(800) 234-1472

23. Immediate Credit Recovery Inc.

6 Neptune Road, Suite 110,immediate credit recovery collection agency logo
Poughkeepsie, New York 12601
1-(800) 234-4271

24. Michigan Guaranty Agency

P.O Box 30462michigan guaranty agency logo
Lansing, MI 48909-7962

25. National Recoveries

P.O. Box 120666national recoveries collection agency logo
St. Paul, MN 55112
[email protected]

26. National Credit Services

P.O. Box 766national credit services logo
Bothell, WA 98041-0766
[email protected]

27. New York Higher Education Loan Program (NYHELP)

99 Washington Avenue
Albany, New York 12255
1- (800) 888-0741

28. Performant Financial Corporation

333 North Canyons Pkwy, Suite 100performant corp logo
Livermore, CA 94551

29. Pennsylvania Higher Education Assistance Agency

P.O. Box 8157pheaa-loan-collector-logo
Harrisburg, PA 17105-8157
1 – (800) 692-7392

30. Pioneer Credit Recovery, Inc.

P.O. Box 228pioneer credit recovery
Arcade, NY 14009

31. Premiere Credit of North America, LLC

PO Box 19309premiere credit of north america logo
Indianapolis, IN 46219

32. Progressive Financial

Their website is down.

33. Reliant Capital Solutions

P.O. Box 307290reliant capital solutions logo
Gahanna, OH 43230

34. The CBE Group, Inc.

PO Box 900the cbe group logo
Waterloo, IA 50704
1 (800)-410-8089

35. Transworld Systems, Inc.

507 Prudential Roadtsi collection agency logo
Horsham, PA 19044

36. U.S. Department of Treasury Debt Management Services

(855) 837-2985us department of treasury debt management

37. Van Ru Credit Corporation

P.O. Box 30295van ru logo
Chicago, Illinois 60630
[email protected]

38. West Asset Management, Inc.

385 East Colorado Boulevardwestern asset management logo
Pasadena, California 91101

39. Windham Professionals, Inc.

380 Main Streetwindham professional logo
Salem, NH 03079
1-(800) 969-0059

I hope this list of student debt collection agencies was useful – if not, let me know how I can improve it in the comments below!

Related article:

Get a loan urgently even with a bad credit


For less than 5 minutes of your time, earn yourself a random stock whose value is anywhere between $5.00 and $200. It is possible through an investing app called Robinhood.

Earn the sign-up bonus by signing to Robinhood now.