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.

If your loan has already defaulted or is about to go into default, HESC staff in the Office of Prevention and Recovery Services will work with you to assess your situation and help you enter a satisfactory repayment agreement. Call toll free, 1-866-944-HESC (4372), before you miss a payment.