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Loan Default

Federal student loans are eligible for default after 270 days of delinquency. When your loan defaults, your balance becomes due in full immediately. Failure to pay off your loan will result in collection fees and negative reporting to all nationwide consumer reporting agencies. Additional action including wage garnishment and seizure of income tax returns may occur.

For Federal Loans

If your loan is guaranteed by PHEAA:

Read our PHEAA Default FAQ. There you will learn more about default and the consequences it can have on your federal student loans. You will also learn about repayment options that will allow for removal of the negative credit reporting.

If you are not sure who your guarantor is:

Sign in to to view all your specific loan information, including guarantor.

For Private Education (Alternative) Loans

If you defaulted on a Private Education (Alternative) loan, each lender has specific guidelines to determine when a loan defaults. Please contact Graduate and Professional Services to discuss your account.

Disputing a Negative Credit Report

Download, print, and mail 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:

  • Your full name, address, and account number
  • Identification of the specific credit report tradeline(s) disputed and details regarding the reason for the dispute. Also, enclose any supporting documentation relevant to the dispute.

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

Loans in default?

If your loans are currently in default and you'd like to sign up for Direct Debit, please complete, sign, and submit the Direct Debit Default Collections Electronic Funds Transfer Agreement (PDF)

Completed Forms

Mail or fax your completed form to:

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

Fax: (717) 720-3644