For Consumers

You have options, and we’re here to help.

COVID-19 crisis: to our consumers

If you’ve been impacted by the coronavirus (COVID-19) and are having difficulty, please contact us — we’re here to help you.

Make a Payment

Pay now, through our secure website.

Payments can be made 24 hours a day, 7 days a week by using the Pioneer payment website. You can generally pay using Visa and MasterCard credit or debit cards.

You can also pay by using your checking or savings account.

IRS selects Pioneer Credit Recovery for its national recovery program. Read more >

Need Help With Your Student Loans?

During the past five years, we’ve helped more than 225,000 people find solutions for their defaulted student loans — and we can help you too.

Call 844-688-2708 from 8 a.m. to 9 p.m. ET Monday through Friday, or 8 a.m. to 12 p.m. ET on Saturday.

You can also start the process by sending us an email. In the email, please include your name, phone number, reference number (if available), and some times when it would be convenient for one of our representatives to call you.

Visit for more information about the collection process for defaulted student loans.

We Want to Hear from You

Our mission is to enhance your financial success through caring and innovative support.

If you want to provide feedback or file a complaint, be assured we’ll work quickly to address your concerns. File a complaint >


We have a library of forms and applications available to help as a resource for you.

Forms and applications

From Our Customers

"[Your representatives have] been incredibly kind, patient, courteous, helpful, and nothing but pleasant. I get the impression that they are 'pulling for me' and really invested in my success. My sincere thanks for all that you do!"

— James

This is an attempt, by a debt collector, to collect a debt, and any information obtained will be used for that purpose.

The New York City Department of Consumer Affairs requires us to request and document your preferred language. You may inform us of your language preference by contacting us at 800-836-2442. Also, a translation and description of commonly used debt collection terms is available in multiple languages on the Department’s website,

Pioneer conducts its business in English but also offers limited verbal and written translations and services in Spanish on some accounts/clients. Please note that we cannot guarantee our verbal translation and support services/language access services will always be available in Spanish during business hours, and they may not be offered or available for certain accounts. If not available, we will communicate with you in English.