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ICR is committed to providing excellent customer service and helping you understand your options. Please call us at 866-401-7190 or log in for more information.

Federal student loan flexibilities for the COVID-19 emergency have been extended at least through January 31, 2022. We are updating our websites and systems as quickly as possible to explain the types of relief now available for federal student loans held by the Department of Education. We appreciate your patience. Visit for updates.

Front Page Announcement

In accordance with the CARES Act all post-dated payments have been suspended until further notice. Should you have any questions we urge you to contact us at 866-401-7190 so that we may further assist you.

If you need your IRS Tax Transcript, you may access it at: IRS Tax Transcripts

Need Assistance?

Immediate Credit Recovery is open:

Mon-Thurs: 8am to 6pm EST

Fri: 8am to 5pm EST

Sat: Closed

Sun: Closed

Our representatives are ready to take your phone call at 866-401-7190 during normal business hours. Or click here to submit your request via this website.

Dealing With Debt

Click here for information from the U.S. Government about debt collection laws. The Ask Doctor Debt website is a good resource for questions about your rights and responsibilities as a consumer.

Consumer Rights

If a creditor has placed an account with our office for collection from you, you have rights as a consumer. All collection agencies are required to adhere to the Fair Debt Collections Practices Act. For the full text, click here. Additional information concerning the FDCPA may be found here. For residents of some states, including California, North Carolina and New York City, additional disclosures apply.

Account Lookup/Forms

To look up your account to authorize payments or download or upload forms, please click here.

To go to the IRS website and get your Tax Transcript, please click here and click the "Get Transcript Online" button.