Federal student loan flexibilities for the COVID-19 emergency have been extended at least through September 30, 2021. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. We appreciate your patience. Visit StudentAid.gov/coronavirus for updates.
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Federal student loan flexibilities for the COVID-19 emergency have been extended at least through September 30, 2021. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. We appreciate your patience. Visit StudentAid.gov/coronavirus for updates.
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Department of Education Assistance

Speak to Our Customer Care Team

The knowledgeable staff at FHC is available to listen to your unique situation, and help you resolve your account in the manner that best fits your needs. FHC is dedicated to helping consumers resolve their accounts in a friendly and professional manner.

The Team at FHC is:

Committed

Approachable

Compassionate

For federal student loans, the benefits of getting out of default include the following:

  • Deferment and forbearance time not already used may be available again
  • Options for flexible, income-driven repayment plans may be available
  • Subsidized interest benefits may begin again
  • Additional Title IV federal financial aid may be available
  • No longer at risk for administrative wage garnishment process
  • Your tax refund or other government payments would no longer be in danger of seizure and application to this loan(s)

Call FHC today at (877) 677-9126 for the best options available for you to resolve your account.

Communication

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

Resolve Your Account

Call FHC today at (877)677-9126 for the best options available for you to resolve your account.

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Loan Rehabilitation Program Documents:

Option 1:

1040 Income Tax returns signed or tax transcript signed.
1040-ES Work Sheet (Self Employed)

​Option 2:

Financial Information Statement: This form is used to determine a reasonable and affordable Loan Rehabilitation payment. Any supporting documents required with the form. 

References Template: This form is to document the contact references for your Loan Rehabilitation Programs 

Loan Consolidation & Standard Repayment Documents:
Consolidation Application: This form is used to apply for a consolidation of your Federal loans. Standard Repayment Form This is the form to use if you were qualified for the three consecutive monthly payments for your repayment options after consolidation.

Financial Disclosure Statement(Loan Consolidations & Standard Repayments) Income Driven Repayment Plan Form This is the form to use to select your repayment plan after consolidation if you were qualified for Income Driven payments. Or more here.

Third Party Authorization: This form is to authorize another party to receive and discuss your personal information regarding your account. 

Death Certificate: If we have attempted to contact an individual that is deceased and owes a debt with The Department, please send a copy of their death certificate to the address below.

Incarceration: If we have attempted to contact an individual that is incarcerated and owes a debt with The Department, please send us written correspondence our address.

Total and Permanent Disability Discharge Application: If you are totally and permanently disabled, you may qualify to have your loans discharged. You can also contact Nelnet at (888)303-7818 or visit https://www.disabilitydischarge.com for more information. Or More here.

All paperwork can be sent by mail, fax or email to:

P.O. Box 877
North Andover, MA 01845
Fax: 877-677-9133
Email: edinfo@fhcann.com

What is the Federal Loan Rehabilitation Program?

Federal Loan Rehabilitation is a one-time opportunity that may be available for borrowers that have not rehabilitated their loan(s) on or after August 14, 2008 that re-establishes a payment history making income-driven payments that will delete the default notation after successful completion of the program.

Advantages of rehabilitation include:

  • Your loan(s) will no longer be considered to be in a default status.
  • The default status reported by your loan holder to the national credit bureaus will be deleted.
  • You will be eligible for the same benefits that were available on the loans before the loans defaulted. This may include deferment, forbearance, and Title IV eligibility.
  • Wage garnishment ends and the Internal Revenue Service no longer withholds your income tax refund.

If you are a Direct Loan of FFEL Loan Borrower:

  • To rehabilitate a Direct Loan, you must make at least nine (9) full payments of an agreed amount within twenty (20) days of their monthly due dates over a ten (10) month period to the U.S. Department of Education (Department). Payments secured from you on an involuntary basis, such as through wage garnishment or litigation, cannot be counted toward your nine (9) payments. Once you have made the required payments, your loan(s) will be returned to loan servicing.

If you are a Perkins loan borrower:

  • To rehabilitate a Perkins Loan, you much make nine (9) on-time, monthly payments of an agreed amount within twenty (20) days of their monthly due dates to the Department. Payments secured from you on an involuntary basis, such as through wage garnishment or litigation, cannot be counted toward your nine (9) payments. Once you have made the required payments, your loan(s) will continue to be serviced by the Department until the balance owed is paid in full.

Rehabilitation payments are based on your income, so you may be required to provide a copy of your most recent tax return (within the last two years), a completed signed Financial Information Statement, copies of paystubs for yourself and your spouse, if applicable, as well as documentation of regular monthly expenses, if needed.

​You can download a transcript of your most recent tax return at https://www.irs.gov/individuals/get-transcript. See ‘What paperwork do I need?’ for other forms. Please contact FHC at (877) 677-9126 to go over your options.

For an estimate of your repayment amount after successful completion of rehabilitation, please see more. 

What paperwork do I need?

FHC looks forward to answering any questions you may have regarding your account, explaining all options available to you and assisting you in resolving the account.

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What is achieved by partnering with FHC is economies of scale, lower costs, and improved management efficiency.
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