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 have been directed to work remotely in accordance with Governor Whitmer’s “Stay Home, Stay Safe” Executive Order until further notice.

    Call center staff are available to answer your telephone call.  You may also continue to utilize our online tools for account inquiry, payment processing, etc.

    In response to the COVID-19 pandemic, President Trump's March 13 National Emergency Declaration, and recent directives from the U.S. Department of Education, MGA is taking the following actions:

    • MGA will cease all collections activities on defaulted student loans until September 30, 2020. The only exception is if borrowers are already pursuing or want to pursue a voluntary resolution to their debt—in which case they may be assisted with that resolution.
    • MGA will not initiate new administrative wage garnishments (AWG) and will suspend current AWG orders. If MGA receives garnishment payments from employers, they will be returned to the employer unprocessed.
    • MGA will inactivate all borrowers from the Treasury Offset Program and refund to borrowers all Treasury offset payments that we have received since March 5, 2020. Upon request, MGA will refund any Treasury offset payment received between January 1, 2020 to March 4, 2020.
    • For borrowers in a rehabilitation agreement or other repayment agreement, any payments that borrowers miss from March 13, 2020, through September 30, 2020, will not prevent a borrower's completion of these agreements. Those payment arrangements must resume after September 30, 2020.

    Further inquiries may be directed to 800-642-5626 or 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.