Hero Panel

Access account information or make a payment on your MGA defaulted loan in the Borrower Portal

  • Borrower Portal

    Access account information or make a payment on your MGA defaulted loan in the Borrower Portal


COVID-19 Message

  • COVID-19 Message

    To combat the potential spread of COVID-19, the staff of the Michigan Guaranty Agency, Student Loan Programs, and MiABLE have been directed to work remotely accordance with Governor Whitmer’s Executive Order 2020-21 currently in effect until April 13, 2020.

    Call center staff are currently unable to answer your telephone calls until remote locations are established.  Please utilize our online tools for account inquiry, payment processing, etc. Please allow a few additional days for any e-mail responses as we continue to establish our remote access and processes.

    Email inquiries may also be sent to mgacollections@michigan.gov.

Payment Panel


Federal Loan Forgiveness, Cancellation and Discharge

  • Forms

    In certain situations, you can have your federal student loan forgiven, canceled, or discharged. Find out whether you qualify due to your job or other circumstances.

    Get Forms


Scam Panel

Avoid Loan Scams

  • Avoid Loan Scams

    You Don’t Have to Pay for Help With Your Federal Student Loans

    Many student loan debt relief companies charge a fee to provide services that you can take care of yourself for free by contacting your loan servicer. At no cost, your loan servicer may be able to help you lower your monthly loan payment; change your repayment plan; consolidate multiple federal student loans; see if you qualify for loan forgiveness or other programs; and may be able to help you work toward getting your loans out of default. 

    For more information, contact us.

  • Avoid Loan Scams Image

    Avoid Loan Scams

Contact Panel


  • Contact Us


    Contact Us

    P.O. Box 30047

    Lansing, MI 48909-7547

    Tel: (800) 642-5626

    Fax: (517) 335-7449

About Panel

About the Michigan Guaranty Agency (MGA)

  • About MGA

    The Michigan Guaranty Agency (MGA) administers the Federal Family Education Loan Program (FFELP) which includes the Subsidized Federal Stafford Loan Program, the Unsubsidized Federal Stafford Loan Program, the Federal PLUS Loan Program, and the Federal Consolidation Loan Program. It does so by guaranteeing the purchase of defaulted loans from FFELP lenders across Michigan. During its more than 45-year history with FFELP, MGA has guaranteed over $14 billion in loans. Beginning July 1, 2010, no new loans are guaranteed under FFELP, however, MGA has over $1.7 billion in outstanding loans that must be monitored, claims processed, or default payments collected.

    MGA also provides services to postsecondary institutions that include outreach activities aimed at postsecondary students and other training opportunities. Services to borrowers are done through borrower information programs, financial literacy training, and customer assistance with all aspects of repayment.