You may be able to get TAP (Tuition Assistance Program) after default. If you want to go back to school and need TAP, contact HESC to see if you’re eligible through the REFA program. Here's how it works:

  • Make 6 payments. After you make six consecutive, approved monthly payments on time, you’ll be eligible to apply for TAP. A lump sum prepayment of future installments does not satisfy the requirement.
  • The payments must be voluntary. If HESC is getting money to pay back your loan by taking some of your tax refund money, or taking money out of your paycheck (garnishing wages), you’re not eligible for TAP because these payments are not voluntary. But if you make monthly, voluntarily agreed upon payments, in addition to what is being taken, you may be eligible.
  • Apply for TAP. Once you've made your six consecutive monthly voluntary payments, you can apply for TAP.

For more information, call 1-866-991-4372.