The Rhode Island Higher Education Assistance Authority's Collection Division provides customer service in the area of defaulted and delinquent student loan debt

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The Rhode Island Higher Education Assistance Authority's Collection Division provides customer service in the area of defaulted and delinquent student loan debt. We will assist you in setting up repayment terms for your defaulted student loan(s).

We can explain the following programs available to remove the default status from your credit report or improve your eligibility for aid:

Conslidation of your defaulted debt
Rehabilitation of your defaulted debt
Regaining eligibility for Title IV funding
Representatives of the Collection Division will counsel borrowers about the negative consequences of default. Negative repercussions may be avoided by contacting your counselor to discuss repayment of your student loan debt. Repayment is the best way to avoid a negative situation.

Direct Payment (ACH)
You can now pay your defaulted loans automatically each month with an electronic transfer from your bank account. This service is only available to borrowers who have negotiated repayment of a defaulted loan with RIHEAA. For information on direct payment for a loan that is not in default, contact your loan servicer.

RIHEAA Direct Payment
List of Common Loan Servicers
Other Payments Accepted
Cash (in person)
Master Card, Visa, Discover (with a convenience fee)
Personal Check, Cashier's Check, or Money Order