HESC's Loan Advocate Unit will work with you to avoid default if you leave school, drop to less than half-time status or don't understand how to repay your loan. Find out more by calling 1-888-215-0196 toll free, or by sending an e-mail to loanadvocate@hesc.org.

HESC staff in the Office of Default Prevention will work with you to assess your situation and help you enter a satisfactory repayment agreement. Call toll free 1-800-888-0741. If your loan has already defaulted call the Office of Default Collections toll free 1-866-944-HESC (4372).