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Where can I find information about my rights concerning delinquent student loans?

The Department of Education, provider of Federal Student Aid, currently contracts with several collection agencies to collect monies owed for student loans that have gone unpaid or are in default. Once a student loan has been passed on to a third party collection agency aka “debt collector”, additional costs could be added causing the debt or repayment amount, to be much higher than the monies originally owed. Unlike most other debts, federal student loans, or loans that are issued through the government, do not have a statute of limitations. But that doesn’t mean that if a debt collector uses illegal tactics or threats against you, that you should just sit back and take it.

The list below includes known collection agencies or debt collectors who work with the Department of Education in their efforts to collect overdue student loans from you.

Debt Help Lawyers can stop the phone calls and letters to you and third parties from Debt Collectors even if you do owe the debt! Don’t put up with debt collector abuse, the Fair Debt Collection Practices Act and State Fair Debt Collection Laws, as well as several other “must know” federal consumer protection laws could help you stop the harassment and recover monetary damages!

Progressive Financial Services
P. O. Box 24098
Tempe, AZ 85285
(800) 253-8167

CollectOne Dba Collection Company of America
P. O. Box 5369
Norwell, MA 02061-5369
(800) 896-0282

Allied Interstate, Inc.
P. O. Box 26190
Minneapolis, MN 55426
(800) 715-0395

Pioneer Credit Recovery, Inc.
P. O. Box 99
Arcade, NY 14009
(888) 287-0571

NCO Financial
P.O. Box 41420
Philadelphia, PA 19101-1420
(888) 475-6741

The CBE Group, Inc.
P.O. Box 930
Waterloo IA 50704-0930
(800) 410-8089

Diversified Collection Services, Inc.
P.O. Box 9049
Pleasanton, CA 94566-9049
(888) 335-6267

Allied International Credit Corp
P.O. Box 813220
Smyrna, GA 30081
(800) 464-2076

Collect Corp.
P. O. Box: 960
Phoenix, Arizona 85001
(877) 719-7015

Premiere Credit of North America, LLC
P.O. Box 19289
Indianapolis, IN 46219
(866) 808-7286

Account Control Technology, Inc.
P. O. Box 11750
Bakersfield, CA 93380-1750
(866) 887-2800

GC Services
P. O. Box 27323
Knoxville, TN 37927
(866) 846-9964

Financial Management Systems
P.O. Box 1423
Elk GroveVillage, IL. 60009-1423
(800) 889-6321

P.O. Box 190
Fairport, NY 14450-0190
(866) 804-1700

Van Ru Credit Corporation
P. O. Box 1027
Skokie, IL 60076-8027
(888) 337-8331

Nationwide Credit, Inc.
P.O. Box 290276
Nashville, TN 37229
(866) 381-5530

P.O. Box 9265
Oak Brook, IL 60522-9265
(800) 863-9025

Aman Collection Service
P.O. Box 1149
Aberdeen, SD 57402-1149
(800) 874-8969

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.


  1. My wages are being garnished for a defaulted student loan. I live in Wisconsin and receive medical assistance and foodshare for myself and my 2 children (I am a single mother). Can my wage be garnished? How can I stop this? I cannot afford to have this much money withdrawn from my check. I will be unable to meet rent & utilities and keep my children in a safe and healthy environment if I cannot stop this. What are my options? Please help

  2. Received a garnishment letter from a debt collector. I had already quit the job because the supervisor was a bully who made me feel miserable. I had to quit. I am afraid it was a parent loan I.took for my son. What can I do? I called the student loan people they said they can’t see the loan. What can I do?

  3. Ci-signer on a student loan which my son has not paid off since graduation. One letter from collector recently, looking for what can be done to me and I am a retiree.

  4. what type wages can be garnished for a student loan I co signed for my child ?

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