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Call the Default Resolution Group phone number at 1-800-621-3115, or use the DRG's online form.
If you don't make your student loan payment for at least 270 days, you risk defaulting on your loan. When this happens ,your student loan servicer will transfer the debt to the Education Department’s Default Resolution Group.
The DRG oversees your loans while helping you get out of default. Once your loans are back in good standing, it will send your loans back to a servicer.
If you can't pay your bill, the consequences can be rough. DRG will handle collections or send your debt to a private collections agency that will contact you. You’ll face collections fees, your wages can be garnished, and your tax refunds or Social Security benefits can be seized.
What Default Resolution Group does for student loan borrowers
Borrowers with defaulted federal student loans can work with the Default Resolution Group to bring their debt back into good standing. Student loan rehabilitation or consolidation are two ways to get out of default.
Rehabilitation. Loan rehabilitation removes the default from your credit report, and you won’t incur additional collection costs on top of your loan balance. You must agree to make nine monthly payments consecutively over 10 months.
Consolidation. Student loan consolidation can help you get out of default fast. To qualify, you must make three full, on-time consecutive payments or enroll in the Repayment Assistance Plan (RAP). With consolidation, the default remains on your credit report for up to seven years.
» MORE: How to get student loan help
How to contact the Default Resolution Group
Default Resolution Group phone number: 1-800-621-3115.
Phone number for the deaf and hard of hearing: 1-877-825-9923 TTY.
Email address: Use the online form.
Website: myeddebt.ed.gov.
Regular correspondence address:
U.S. Department of Education
P.O. Box 5609
Greenville, TX 75403-5609
Payment address:
U.S. Department of Education
National Payment Center
P.O. Box 790336
St. Louis, MO 63179-0336
How to complain about Default Resolution Group
If you have difficulty working with Default Resolution Group, file a complaint with its customer service department.
If your issue goes unresolved, you can also make complaints about Default Resolution Group to:
You can also reach out to a student loan nonprofit such as The Institute of Student Loan Advisors, which provides free dispute resolution.
Make sure to keep records of conversations you have, including the day, time and customer service representative you spoke with. Keep copies of any letters, bills or emails about your account.
