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Can’t Pay Your Loan?

Unable to Pay Your Loan?

If your loan payments are past due or you believe you will be unable to make an upcoming payment, it is vital that you contact the Office of Loans and Scholarships to discuss your account.

Contact the Office of Loans and Scholarships by email at or by phone at 615-340-7346. Our office hours are 8 a.m. – 4:30 p.m. Monday-Thursday, and 8 a.m. – 12:30 p.m. on Friday, Central Time.

The Office of Loans and Scholarships makes every attempt within reason to assist borrowers and cosigners who find themselves in difficult situations. At the same time, our office is dedicated to being good stewards of the loan funds entrusted to us. We must ensure the sustainability of the loan program for future members of The United Methodist Church.

In the event that the borrower is unable to make a monthly payment and the loan amount becomes past due:

  1. The cosigner will be contacted to remit payment.
  2. If the loan amount becomes 120 days past due, the account may be placed with a collection agency and/or attorney for collection. All collection fees will be the responsibility of the borrower and cosigner.

Hardship Assistance

TEMPORARY HARDSHIP such as unemployment or medical situations may be reasons to qualify you for a six-month deferment of loan repayment.

Those requesting temporary hardship assistance must meet the following qualifications:

  • No prior hardship deferment within the past 12 months.
  • No more than one prior hardship deferment.
  • Borrower and the cosigner are able to provide proof of financial hardship including, but not limited to, any of the following: income documentation, written statement outlining the cause of the hardship or unemployment paperwork.

IMPORTANT: Hardship deferment only delays repayment. Interest continues to accrue on the outstanding principal. In addition, the monthly payment amount may increase. Total loan costs increase with any deferment, so it is beneficial to the borrower to continue making timely payments if at all possible.

TOTAL LOAN FORGIVENESS is only granted due to permanent disability or the death of the borrower.

Disaster Assistance

For specific assistance regarding deferment of your student loan due to disaster, please contact the Office of Loans and Scholarships directly.

The United Methodist Church seeks to assist individuals who have been impacted by a natural disaster through the work of the United Methodist Committee of Relief. For more information on the kinds of aid they offer, visit

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