You’re out of bankruptcy—now it’s time to repay your student loans
After bankruptcy, your student loans need to be repaid. We can help you understand and manage the repayment process.Determine who has your student loans
Now that your bankruptcy is over, you may find that your loans have changed hands again. To find the current holder of your loans, visit the National Student Loan Data System (NSLDS), which is the central database of all federal student loan information.
Establish a new repayment schedule
If your student loans were not in default before you filed bankruptcy, all you need to do is contact your lender and select the best payment plan for you. Choose a repayment plan you can manage so you can successfully pay back your loans and rebuild your credit.
You can learn about payment options in our Repayment plans section.
If your loans were in default before you filed bankruptcy, contact your loan holder immediately. Once you are out of bankruptcy, you are no longer under certain protections and are subject to the consequences of default.
You have options, though. Contact your loan holder—they’ll help you find the right solution. You can also get more information at our Manage default section.
Rebuild your credit score
Bankruptcy stays on your credit report for 10 years, but don’t be discouraged. You can rebuild your credit score using your student loans.
Make your payments on time, all the time, and try to pay more than you owe whenever possible. Making on-time payments and paying down your existing debt is a great way to improve your credit score.
Get additional help
If you filed for bankruptcy, your lender may no longer “hold” your student loans. ECMC is the nation’s primary servicer of student loans in bankruptcy, which means we probably hold your loans.
Please contact ECMC at 1-888-363-4562 if you have any questions about student loan bankruptcy. If ECMC holds your loans, you can get detailed information about your account online by logging in to our secure site.
If you don’t know who your loan holder is, go to the National Student Loan Data System (NSLDS), which is the central database of all federal student loan information.
Please note: We cannot provide information to anyone else, such as your spouse, attorney or credit counselor, unless you approve. To give your consent, complete and sign an Authorization to Disclose Info in Bankruptcy. 
Send the form directly to us. Mail the form to:
ECMC
P.O Box 75906
St. Paul, MN 55175
