Contact Us: Default Collections

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We help defaulted student loan borrowers by providing repayment options and other programs to remove their account’s defaulted status, such as the Default Loan Rehabilitation Program. Get answers to your questions about the credit reporting of defaulted loans, financial aid eligibility for defaulted borrowers, and wage garnishment.

Contact Method Details
By Phone

1-800-233-0751 Toll-Free (United States, Canada)
(717) 720-3400 (international)
TTY: Dial 711 (for hearing and speech impaired)

Representatives are available Monday to Thursday, 8:00 AM to 9:00 PM (ET) and Friday, 8:00 AM to 5:00 PM (ET).

Our interactive voice response system is available 24 hours per day (except for occasional maintenance).

By Fax

(717) 720-3644

By Email

Note: Email is not a secure method of communication because it may be intercepted by third parties. Do not include any sensitive or private information in your email to PHEAA.

By U.S. Mail

PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147

For express or overnight deliveries:
PHEAA Default Collections
1200 North 7th Street
Harrisburg, PA 17102

For payments (except payoffs):
P.O. Box 1375
Buffalo, NY 14240-1375

For payoffs (payments in full):
PHEAA Default Collections
P.O. Box 8147
Harrisburg, PA 17105-8147

View steps to pay your loan in full.

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