Default Collections

On April 6, 2022, the U.S. Department of Education announced a new initiative called Fresh Start. This program allows you to change your loan status from default to current if you defaulted prior to March 13, 2020.

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. Learn more about loan default today!

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 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


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 Seventh 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.

By Social Media

Reach us on the PHEAA Facebook and Twitter channels for general inquiries to get your account in good standing.

Our Social Media Team is available Monday to Friday, 8:00 AM to 5:00 PM (ET).

Submitting a Credit Dispute

You may submit a dispute directly to PHEAA by downloading, printing, and mailing the Direct Credit Dispute Form (PDF) to:

PHEAA Default Collections
P.O. Box 61017
Harrisburg, PA 17106-1017

Or write to us at the address above with the following information:

  • Sufficient information for us to identify your account and loan in dispute. This includes your full name, address, PHEAA account number and specific loan in dispute. If you know the tradeline number associated with the loan, please include that information.
  • The specific information that you are disputing and an explanation of the basis for the dispute.
  • All supporting documentation or other information to substantiate the basis of the dispute. This documentation may include, for example a:
    • Copy of the relevant portion of the consumer report that contains the allegedly inaccurate information
    • Police report
    • Fraud or identify theft affidavit
    • Court order

You may also file a dispute with one or more consumer reporting agency.

NOTE: If you don't have your account number, sign in to Account Access to obtain it.