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Michigan Guaranty Agency


Michigan Guaranty Agency

Existing Federal Family Education Loan Program (FFELP) loans guaranteed by The Michigan Guaranty Agency (MGA) are fully serviced by Pennsylvania Higher Education Assistance Agency (PHEAA). PHEAA can assist with:

  • Making payments
  • Payment plan options including rehabilitation
  • Loan information including balance, payments, and interest rates
  • Loan Forgiveness and Discharge
  • Forbearance or Deferment

Questions regarding your defaulted student loan account should be directed to the Collections unit at 800-214-9320.

Questions regarding loans in repayment should be directed to your loan servicer or the Default Prevention Unit at 800-445-0216.


June 14, 2023

Congress recently passed a law preventing further extensions of the payment pause.  Student loan interest will resume starting on September 1, 2023, and payments will be due starting in October.  Your servicer will notify you before payments restart.  Click the link below for tips to prepare for repayment to resume.

Preparing for Repayment to Resume                                               Navigating the Return of Student Loan Payments


August 17, 2022

The U.S. Department of Education announced the Fresh Start initiative. The links below have additional information.

Dear Colleague Letter           Fresh Start Fact Sheet

Who is my Loan Servicer?

There are several student loan servicers in Michigan making it difficult to keep track of them all. 

Federal Loan Forgiveness, Cancellation and Discharge

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.

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