Online account access

Borrower Information

Everything you need to register for the NCM payment portal, find your NCM account number, and get live help when you need it.

Register for your online account

Have these two items ready before you begin. Registration usually takes only a few minutes once you have the correct information.

1. Your email addressThis email address will be used for your online NCM account.
2. Your NCM account numberUse the account number assigned by National Credit Management.
Do not enter your former university student ID. The portal requires your NCM account number.
Where can I find my NCM account number?
Check one of the first notices you received from National Credit Management. It may have arrived as a letter in the mail or as an email.
Still cannot find the number?
An NCM account resolution specialist can help you locate it.
Call 800-333-6787

Complete registration

1
Enter your account details

Provide your email address and NCM account number, then select Start Registration.

2
Verify your identity

Provide any three of the following: first name, last name, last four digits of your Social Security number, or date of birth.

3
Create your password

On the next page, enter your password and enter it again to confirm it.

4
Review the terms and sign

In the Terms and Conditions box, use the scroll bar to scroll all the way to the bottom. Then accept the terms and digitally sign the form using your full name.

Open the NCM payment portal ↗Call an account resolution specialist

Loan consolidation assistance

For borrowers interacting with NCM, consolidation is often the most relevant federal-loan option. An account resolution specialist can walk you through the StudentAid.gov application step by step.

Defaulted loans placed with NCM

Who may be eligible?

Borrowers may be eligible to consolidate if a defaulted loan placed with NCM is one of the following:

Perkins Loan
Nursing Loan
Health Professions Loan
Consolidation is a federal process. Review the new loan terms and understand how consolidation may affect repayment before submitting an application.
Want help completing the application?

An NCM account resolution specialist will be happy to guide you through the process on StudentAid.gov and help ensure the application is completed successfully.

800-333-6787
Visit StudentAid.gov ↗What to know before consolidating ↗

Other loan program information

These options are less commonly used by NCM borrowers. They are available below for reference, and eligibility depends on the loan type and individual circumstances.

Deferment
A deferment may temporarily pause required payments when a borrower meets a qualifying condition. Interest treatment and eligibility vary by loan type. Confirm the effect with your loan holder before applying.
Forbearance
Forbearance may temporarily pause or reduce payments. Interest generally continues to accrue, which can increase the total amount repaid.
Cancellation
Some loans may qualify for cancellation based on program-specific service or other qualifying conditions. Documentation requirements depend on the loan and program.
Total and Permanent Disability discharge
Eligible federal student loans may be discharged when a borrower meets the federal total and permanent disability requirements and supplies acceptable documentation.

Need help accessing your account?

Call NCM and speak with a live account resolution specialist.

800-333-6787

This page provides general educational information. Program terms and eligibility requirements may change. Confirm current federal requirements on StudentAid.gov and with your loan holder.