CONSUMER RESOURCES

The knowledgeable staff at National Credit Services, Inc. (“NCS”) is available to listen to your unique situation, and help you resolve your account in the manner that best fits your needs. NCS is dedicated to helping consumers resolve their accounts in a friendly and professional manner. 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 NCS today at (800) 324-7564 for the best options available for you to resolve your account.

The following forms are currently only available for download. Please visit Adobe's website to download a free Adobe Acrobat Reader if needed. All forms can be filled out electronically and saved or printed and filled out manually. You may also contact us to request the forms be mailed to you instead.

CONSOLIDATION

Direct Direct Loan Consolidation Instructions

Direct Direct Consolidation LVC Application

Direct Consolidation Loan Application and Promissory Note

Direct Consolidation Additional Loan Adding

ADMINISTRATIVE WAGE GARNISHMENT

Hardship Financial Disclosure Statement

Request for Hearing

ADMINISTRATIVE RESOLUTIONS

Unauthorization Signature - Identity Theft - Unpaid Refund - False Certification (Disqualifying Status)

Ability to Benifit - School Closure - Defense to Repayment - Teacher Forgiveness

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