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Michigan Guaranty Agency


Michigan Guaranty Agency

COVID-19 Announcement

The U.S. Department of Education Announces Final Extension of COVID-19 Emergency Flexibilities to Defaulted Loans in the Federal Family Education Loan (FFEL) Program

  • Collection activity will be paused through May 1, 2022
  • Interest rates will temporarily be set at 0% and will retroactively apply back to March 13, 2020
  • Voluntary payments can be requested to be refunded
  • Tax refunds offset over the past year will be automatically refunded
  • Wages garnished over the past year will be automatically refunded
  • Loans that defaulted since March 13, 2020 will be returned to good standing and assigned to the Department of Education

To Access Account Information or Make a Payment

Visit Borrower Portal


Federal student loan payments (including the Federal Family Education Loan Program (FFELP) restart with your next scheduled payment after May 1, 2022

  • Contact our office to make sure your contact information is current. 
  • If not on an established payment plan, contact our office to find out what payment plan options are available to you. 
  • Reestablish your auto-debit if you disabled it during the collection pause.
  • Check your postal mail for student loan payment updates from your loan holder. The updates could include your monthly payment amount and due date.
  • Administrative Wage Garnishment will resume May 2, 2022.
  • Avoid student loan scams. Many student loan debt relief companies charge a fee to provide services that you can take care of for free.

For more information, contact us.


Call Center Hours 8:00 am-4:45 pm ET

Payment Options

One-Time Online Payments

Make a one-time payment online. This method may take up to two business days to be posted to your MGA account.

Recurring Payments

You can establish a recurring monthly payment for your MGA defaulted loan.

Make a payment by calling the automated system:


Mail a payment (include your account number on your check or money order):

Michigan Guaranty Agency
PO Box 16325
Lockbox 8639
St Paul MN 55116-0325


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.

Hearing Request

Submit this form to request a hearing if you object to wage withholding.

Reduced Repayment

Before completing an application, contact us to verify which reduced payment plan you are eligible. Eligibility criteria will determine which application you must complete.
MGA Contact Image

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.

Contact Us


P.O. Box 30047

Lansing, MI 48909-7547

Tel: (800) 642-5626

Fax: (517) 335-7449