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Making Payments on Defaulted Loans

It is important to resolve all defaulted student loan. Making regular payments is the first step. HESAA can help you with your federal student loans by making it easier to make a payment.


If you default on your NJCLASS loan, you will need to work with our collection attorney to make payments.


Debit from Your Checking or Savings Account

To assist you in making timely payment, click here to download an ACH Automatic Debit Authorization form that will allow HESAA to automatically debit your checking account or savings account for defaulted federal student loans. This will eliminate the need to write a check every month.


Credit Card Payments

HESAA accepts several major credit cards and also accepts debit cards for payments for defaulted federal student loans. Your credit card may also add finance charges that might exceed the interest rate on your loan. While it’s easy to put your loan payment on your credit card, remember that credit cards are just a different form of borrowing. If you fail to pay off your balance in full each month, you will be charged interest on your unpaid balance. Wise use of your credit cards will help you maintain a solid credit rating and avoid financial problems.


To make a payment by credit card go to the credit card processor for the State of New Jersey. A service fee of 1.9% plus $1.00 will be charged. Please click here to continue: https://njportal.com/HESAA/LoanPayments/.


Mailing Payments

You can mail a payment to HESAA, at the following addresses:


HESAA - Defaulted Federal Loans

PO Box 528

Newark, NJ 07101-0528


Employers who withheld Administrative Wage Garnishments, from their employee’s paycheck can send the payments to HESAA at:


Employer Garnishment Payments

PO Box 529

Newark, NJ 07101-0529


Online Bill Pay

Some borrowers have also established automatic payment processes though their individual lending institutions, such as Bill Pay. Currently, HESAA does not accept electronic payments through Bill Pay, so a paper check is generated and mailed to HESAA. A payment is credited to the account when the actual payment is received by HESAA.

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