National Credit Management helps resolve outstanding account balances on behalf of colleges, universities, and lending institutions nationwide. Pay in full, set up a plan, or verify your account details below.
That's a fair question. National Credit Management is a licensed, family-owned collection agency that has partnered with colleges and universities since 1960. Here's how to know you're in the right place.
NCM is a licensed collection agency (NMLS# 929741) operating under FDCPA and Regulation F consumer protection standards, and holds an A+ rating with the Better Business Bureau.
NCM partners with colleges, universities, and lending institutions nationwide to help resolve outstanding accounts. We work on behalf of our clients—we do not purchase or own your account.
Not sure your account is real? Call us directly using the number on your original notice, or visit our Contact page before making any payment. For your protection, and in line with federal collection law, we can only share specific account details once we've verified we're speaking with the right person.
Straight answers to what most borrowers want to know.
Yes. All payments are processed through an encrypted, PCI-compliant payment portal. We never store your full card or bank details on our servers.
Reach out to us as soon as you can. We offer a Time Extension Program — a flexible payment plan that breaks your balance into manageable monthly payments that fit your budget. Ignoring it is the only thing that makes things harder.
You have the right to request written verification of any debt. Contact us and we'll provide documentation confirming the account and balance before you're asked to pay anything.
Our support team is available by phone and through our Contact Us page. We're a small, family-run team — you'll talk to a real person, not a call center script.
Toll Free: (800) 333-6787 · Real people, real answers.