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Guaranty Agency List


This section lists the names, addresses, and other identifying information of the guaranty agencies. The address may be used to contact guaranty agencies to resolve discrepancies in backup data. However, do not use this address if a guaranty agency has provided you with a different address or addressee.

Each agency is listed in alphabetical order by the name of the state in which it is the primary guarantor. The three-digit guaranty agency code listed in parentheses for each agency is the coding system used by the Department to identify each guaranty agency.

The Higher Education Assistance Foundation (HEAF) ceased operations on December 31, 1993. In preparation for the closing, HEAF transferred its remaining guarantees on loans not in default to other guaranty agencies. Affected lenders were notified of the guaranty agency now holding their student loan guarantees which were originally issued by HEAF. The new guaranty agency will be reported on the back-up data. The Department possesses the records on defaulted loans on which HEAF paid default claims to lenders. The Educational Credit Management Corporation (ECMC), (formally the Transitional Guaranty Agency (TGA)), processes records relating to a small number of loans guaranteed by HEAF that were not transferred to other agencies and for loans guaranteed by HEAF that were paid as or subsequently became Chapter 13 bankruptcy claims. ECMC also holds and services Chapter 13 default bankruptcies for numerous guaranty agencies that, on a voluntary basis, transfer these portfolios to ECMC.

The Puerto Rico Higher Education Assistance Corporation (PRHEAC) ceased operations on April 15, 1994 and all guarantees were transferred to the Great Lakes Higher Education Corporation (GLHEC). GLHEC will hold all defaulted loans and related records previously held by PRHEAC. NOTE: If your organization is correcting its default rates based on erroneous data, the possible errors must be identified to Great Lakes.

The Mississippi Guaranty Student Loan Agency (MGSLA) ceased operations on September 30, 1994 and all guarantees were transferred to the United Student Aid Funds, Inc. (USAF). USAF will hold all defaulted loans and related records previously held by MGSLA. NOTE: If your organization is correcting its default rates based on erroneous data, the possible errors must be identified to USAF.

The Student Loan Fund of Idaho, Inc. (SLFI) has been replaced (July 1, 1994) by the Northwest Education Loan Association (NELA) as the designated guarantor. However, SLFI has not yet transferred defaulted loans and related records to NELA.
NOTE: If your organization is correcting its default rates based on erroneous data, the possible errors must be identified to SLFI.

The Delaware Higher Education Loan Program (DHELP) ceased guarantor operations on April 24, 1996 and all guarantees were transferred to Pennsylvania Higher Education Assistance Agency (PHEAA). PHEAA will hold all defaulted loans and related records previously held by DHELP. NOTE: If your organization is challenging its default rate based on erroneous data, you must notify PHEAA of the possible errors.

The State Education Assistance Authority (SEAA) in Virginia has been replaced (July 1, 1996) by the Educational Credit Management Corporation (ECMC) as the designated guarantor. NOTE: If your organization is challenging its default rate based on erroneous date, you must notify ECMC of the possible errors.

The Ohio Student Aid Commission (OSAC) ceased guarantor operations effective August 1, 1996 and all guarantees were transferred to Great Lakes Higher Education Corporation (GLHEC). GLHEC will hold all defaulted loans and related records previously held by OSAC. NOTE: If your organization is challenging its default rate based on erroneous data, you must notify GLHEC of the possible errors.

The Alabama Commission of Higher Education (ACHE) ceased operations in December, 1996 and all guarantees have been transferred to Kentucky Higher Education Assistance Authority (KHEAA) as of June, 1996. KHEAA will hold all defaulted loans and related records previously held by ACHE. NOTE: If your organization is challenging its default rate based on erroneous data, you must notify KHEAA of the possible errors.

NORTHSTAR Guarantee Incorporated ceased operations in December, 1997 and all guarantees were transferred to Great Lakes Higher Education Corporation (GLHEC). GLHEC holds all defaulted loans and related records previously held by Northstar. NOTE: If your organization is challenging its default rate based on erroneous data, you must notify GLHEC of the possible errors.


Alabama, AL (701)


SEE Kentucky

Alaska, AK (702)

SEE United Student Aid Funds, Inc.

Arizona, AZ (804)

SEE United Student Aid Funds, Inc.

Arkansas, AR (705)

Student Loan Guarantee Foundation of Arkansas
219 South Victory
Little Rock, AR 72201-1884
(501) 372-1491

California, CA (706)

California Student Aid Commission/Edfund
P.O. Box 419045
Rancho Cordova, CA 95741-9045
(916) 526-7900

Colorado, CO (708)

Colorado Student Loan Program
One Denver Place
999 18th Street, Suite 425
Denver, CO 80202-2440
(303) 294-5050

Connecticut, CT (709)

Connecticut Student Loan Foundation
525 Brook Street, P. O. Box 1009
Rocky Hill, CT 06067
(860) 257-4001

Delaware, DE (710)

SEE Pennsylvania

District of Columbia, DC (611)

See Massachusetts

Educational Credit Management Corporation (ECMC) (927)
(Formerly the Transitional Guaranty Agency (TGA))

American National Bank Building
101 East 5th Street, Suite 2400
St. Paul, MN 55101
(612) 221-0566

Florida, FL (712)

State of Florida, Department of Education
Office of Student Financial Assistance
1344 Florida Education Center
325 West Gain Street
Tallahassee, FL 32399
(850) 488-4095

Georgia, GA (713)

Georgia Higher Education Assistance Corporation
2082 East Exchange Place, Suite 200
Tucker, GA 30084
(770) 414-3000

Hawaii, HI (815)

SEE United Student Aid Funds, Inc.

Idaho, ID (716)

Student Loan Fund of Idaho, Inc.
P. O. Box 730
Fruitland, ID 83619
(208) 452-4058


Illinois, IL (717)

Illinois Student Assistance Commission
1755 Lake Cook Road
Deerfield, IL 60015
(847) 948-8500

Indiana, IN (718)

SEE United Student Aid Funds, Inc.

Iowa, IA (719)

Iowa College Student Aid Commission
200 10th Street
Fourth Floor
Des Moines, IA 50309-3609
(515) 281-3501

Kansas, KS (620)

SEE United Student Aid Funds, Inc.

Kentucky, KY (721)

Kentucky Higher Education Assistance Authority
1050 U.S. 127 South
Suite 102
Frankfort, KY 40601-4323
(502) 696-7200

Louisiana, LA (722)

Louisiana Office of Student Financial Assistance
P. O. Box 91202
Baton Rouge, LA 70821-9202
(504) 922-1012

Maine, ME (723)

Maine Education Assistance Division
Finance Authority of Maine
#119 State House Station
One Weston Court
Augusta, ME 04333
(207) 623-3263

Maryland, MD (724)

SEE United Student Aid Funds, Inc.

Massachusetts, MA (725)

American Student Assistance
330 Stuart Street, Berkeley Place
Boston, MA 02116-5292
(800) 999-9080

Michigan, MI (726)

Michigan Higher Education Assistance Authority
P. O. Box 30047
Lansing, MI 48909
(800) 642-5626

Minnesota, MN (727)

SEE Wisconsin

Mississippi, MS (728)

SEE United Student Aid Funds, Inc.

Missouri, MO (729)

Coordinating Board for Higher Education
3515 Amazons Drive
Jefferson City, MO 65109-5717
(573) 751-2361

Montana, MT (730)

Montana Guaranteed Student Loan Program
2500 Broadway
Helena, MT 59620-3101
(406) 444-6594

Nebraska, NE (731)

Nebraska Student Loan Program
1300 O Street
P.O. Box 82507
Lincoln, NE 68501-2507
(402) 475-8686

Nevada, NV (732)

SEE United Student Aid Funds, Inc.

New Hampshire, NH (733)

New Hampshire Higher Education Assistance Foundation
44 Warren Street
P. O. Box 877
Concord, NH 03302-0877
(603) 225-6612

New Jersey, NJ (734)

New Jersey Higher Education Assistance Authority
Guaranteed Student Loan Program
4 Quakerbridge Plaza
P.O. Box 540
Trenton, NJ 08625-0540
(800) 792-8670

New Mexico, NM (735)

New Mexico Student Loan Guarantee Corporation
3900 Osuna, N.E.
P.O. Box 92230
Albuquerque, NM 87199-2230
(505) 345-3371

New York, NY (736)

New York State Higher Education Services Corporation
99 Washington Avenue, Twin Towers
Albany, NY 12255
(518) 473-7087

North Carolina, NC (737)

North Carolina State Education Assistance Authority
P.O. Box 2688
Chapel Hill, NC 27515-2688
(919) 549-8614

North Dakota, ND (738)

Student Loans of North Dakota
North Dakota Guaranteed Student Loan Program
P. O. Box 5524
Bismarck, ND 58506-5524
(701) 328-5754

Ohio, OH (739)

SEE Wisconsin

Oklahoma, OK (740)

Oklahoma State Regents for Higher Education
Guaranteed Student Loan Program
P. O. Box 3000
Oklahoma City, OK 73101-3000
(405) 858-4300

Oregon, OR (741)

Oregon State Scholarship Commission
1500 Valley River Drive
Suite 100
Eugene, OR 97401
(541) 687-7400

Pennsylvania, PA (742)

Pennsylvania Higher Education Assistance Agency
1200 N. 7th Street
Towne House
Harrisburg, PA 17102-1444
(717) 720-2850

Puerto Rico, PR (772)

SEE Wisconsin

Rhode Island, RI (744)

Rhode Island Higher Education Assistance Authority
560 Jefferson Boulevard
Warwick, RI 02886-1320
(401) 736-1100

South Carolina, SC (745)

South Carolina State Education Assistance Authority
Interstate Center
Suite 210
P. O. Box 210219
Columbia, SC 29221
(803) 798-0916

South Dakota, SD (746)

Education Assistance Corporation
115 First Avenue, S.W.
Aberdeen, SD 57401
(605) 225-6423

Tennessee, TN (747)

Tennessee Student Assistance Corporation
Parkway Towers, Suite 1950
404 James Robertson Parkway
Nashville, TN 37243-0820
(615) 741-1346

Texas, TX (748)

Texas Guaranteed Student Loan Corporation
P.O. Box 201725
Austin, TX 78720
(512) 219-5700

Transitional Guaranty Agency (927)

SEE Educational Credit Management Corporation

United Student Aid Funds, Inc. (USAF) (800)

United Student Aid Funds, Inc.
P.O. Box 6180
Indianapolis, IN 46206-6180
(317) 849-6510

Utah, UT (749)

Utah Higher Education Assistance Authority
355 West North Temple
#3 Triad Center, Suite 550
Salt Lake City, UT 84180-1025
(801) 321-7200

Vermont, VT (750)

Vermont Student Assistance Corporation
P. O. Box 2000, Champlain Mill
Winooski, VT 05404-2601
(802) 655-9602

Virgin Islands, VI (778)

SEE Wisconsin

Virginia, VA (751)

SEE Educational Credit Management Corporation

Washington, WA (753)

Northwest Education Loan Association
500 Coleman Building
811 First Avenue
Seattle, WA 98104
(206) 461-5300

West Virginia, WV (654)

SEE Pennsylvania

Wisconsin, WI (755)

Great Lakes Higher Education Corporation
P.O. Box 7858
Madison, WI 53707
(608) 246-1800

Wyoming, WY (656)

SEE United Student Aid Funds, Inc.