We are the Student Debt Collective
We are the We are the Student Debt Collective 52
We are the We are the Student Debt Collective 52
We are the Defense to Repayment 27
We are the KNOW YOUR DEBT 20
We are student debtors who have joined together to fight back against creditors, collectors and the federal government.
As individuals, we share the burden of federal and private student loans. Debt has isolated us and made us feel alone and ashamed. Now we have come out of the shadows to fight back.
As a community, we share a vision of a quality higher education system that is free to all. We believe that education is a right.
As a collective, we have short- and long-term goals. In the short term, we help each other know and understand our debt and our rights as borrowers. We direct each other to dispute tools and we develop strategies for fighting back. In the long term, we create regional and national campaigns that take our struggle beyond our individual situations.
Members of this collective are different in many ways. Some of us are old, and some are young; we are from different parts of the country; we are diverse in race, ethnicity and religious background. We are united by a commitment to justice, solidarity, and a better future for all. Members who engage in racist, sexist, anti-immigrant or other degrading or dehumanizing behavior will be removed.
We made these free tools to help us fight back. Learn more
Most of us have been victims of bad credit reporting. Use this tool to send a dispute.
Use this tool if you have a federal student loan that is being garnished or if you have been threatened with garnishment.
Use this tool if your tax return is being seized for an unpaid federal student loan.
Use this tool to dispute any private student loan.
Our growing movement needs people willing to throw down like you just did. Thank you.
Your card has been declined. Get in touch with your bank or card issuer to solve the problem.
Millions of us have errors on our credit reports, which makes it harder to do basic things like get a job or rent an apartment. Fight back! You can get a free copy of your credit report once per year at annualcreditreport.com or call 1-877- 322-8228. For a list of common errors to look for, go here. Once you have determined that there are errors on your report, you can use this tool to ask for a correction. This tool will help you write a dispute letter to the three main credit reporting agencies. The Debt Collective will submit the letters your behalf. For more information about the process, go here. Please have a photo of your picture ID ready to upload (taking a picture with your camera phone is fine).
If your wages are being garnished or if you received a letter threatening wage garnishment, you have a lot in common with thousands of other people whose wages are seized every year. This is wrong, since no one should have to go into debt for education!
You can use this form to submit a dispute to the Department of Education (for Direct Loans) and to the guaranty agency (for FFEL loans). We streamlined this form for our members because the Department's form is unnecessarily complicated.
PLEASE NOTE: Before you begin the wage garnishment dispute process, you should find out who owns your student loans.
If you have Direct loans, we will send your dispute to the Department of Education. If you have FFEL loans, you will need to provide the name and address of the originator of your loan. If you don't know the name of the guarantor, you can call the Department of the Treasury and ask them for the name and address of your guarantor.
The number is: 1-800-304-3107.
If your taxes are being seized ("offset") or if you have been threatened with offset, you have a lot in common with thousands of other people whose taxes are offset each year. This is wrong, since no one should have to go into debt for education!
You can use this form to submit a dispute to the Department of Education. The Department's form is unnecessarily complicated. We have streamlined the process for our members. You can make sure your offset is placed on hold if you file this dispute by 65 days after the date you received the offset notice. You can also stop an offset that has already begun if you receive a favorable decision from the Department.
What if I suspect that my taxes will be offset but I haven't received a notice?
The Department of Education usually sends offset notices once per year in the summer. If you want to know whether your taxes will be offset as a result of a federal student loan, you can call the Bureau of the Fiscal Service at 1-800-304-3107. Making this call does not make it more likely that your taxes will be offset.
Private student loans are those issued by a company not working on behalf of the government. These companies often contract with a servicer to collect the debt. Some of them break the law when trying to collect. What is more, because of sloppy paperwork, the owners of the debt often can’t prove they own it. Demanding proof of ownership is the first step to getting debt collectors off our backs.
If you have a private student loan, this tool will assist you to generate a letter that will be automatically sent to the creditor or to the debt collector asking them to prove that they have the right to collect on the debt they have been bugging you about. You have a right to this evidence. If the creditor or collector cannot prove that you owe them money, they will be less likely to sue you or continue to collect.
This tool should not be used in response to a Complaint/Summons letter letting you know that the collector is actively seeking a judgment against you in court. If you are being sued, you should seek legal advice. Before you begin to use this tool, you should make sure you have the name and address of the collections agency that is attempting to collect from you.
If you don't have the name and address of the collection agency, you will not be able to file this dispute.