Explore Our Tools!

Default Is Lame, brought to you by Champion College Services, offers tools to help you be successful both financially and personally.

This site is proudly brought to you by Champion College Services—trusted student loan repayment experts who have assisted over 3 million people by providing FREE services to enrolled and former students. Download the appropriate student loan forms to delay and/or reduce your payments. Use the links we provide to quickly find external student loan resource information. Explore helpful general information to make more informed financial decisions about your student loans and more plus learn about your rights and responsibilities.

Free Student Loan Resources

We’ve Got You Covered

Dealing with your student loans shouldn’t be a complicated hassle. To simplify things a bit we assembled all the best resources available related to your student loans. Explore a little, learn a few things—and make better decisions about your college finances.

2018/19 Student Loan Interest Rates


May 18, 2018Read the Federal Student Aid announcement about the 2018-2019 interest rates on Direct Subsidized Loans, Direct Unsubsidized Loans and Direct PLUS Loans.


You have questions, we have answers. Check out this section to more fully understand your loan responsibilities, learn about the many options for student loan repayment and more.

free student loan resource forms

Deferment, Forbearance, Loan Forgiveness and more…we maintain the forms you’ll need to complete when taking an action on your student loan. If you are unsure what form you need, call us.

links free student loan resources

You don’t have to travel to every corner of the web to find what you’re looking for. This page makes it easy to get where you need to go. It’s like one-stop-shopping for student loan answers!

Make more informed financial decisions,  learn about your rights and responsibilities regarding student loans and get smarter about life with helpful articles and blogs.

Champion Empowerment Institute Subscriptions

After 3 decades of service to over 3 million students, we now offer our subscription program providing many benefits!

  1. Affordable tools for building careers, financial and life skills 
  2. Access to grants, loans and scholarship programs
  3. Ability to connect with Champion’s student loan experts for help to deal with troubleshooting, delinquencies, complications or repayment options for your student loans

Check out our resources today!

Our courses and your account have moved to ChampionEmpowerment.com.

Get Help from Trusted Experts When You’ve Got Questions!


Let’s talk today!

Champion College Services, INC. does not collect money or charge fees—we are trusted student loan repayment experts that provide a FREE service to students.  Call 800.761.7376 to ask us questions about making informed financial decisions or learn about your rights, responsibilities and more. We DO NOT collect money. Our friendly, caring and informative customer service representatives will help you with the following:

  • LOCATE your loans prior to your payment due date

  • Choose and apply for a repayment plan that best serves YOU over the long-term and minimizes the total cost of your loans

  • Provide information on making interest payments that can LOWER YOUR DEBT and save you money

  • Assist you to qualify and/or apply for LOWER or DELAYED PAYMENT options, if needed

  • ANSWER QUESTIONS that you may have about your student loan debt

Monday–Thursday 7:00 am – 7:00 pm (MST*)
Friday 8:00 am – 5:00 pm (MST)
Saturday 9:00 am – 3:00 pm (MST)


*During daylight savings time, hours are MST (same as PDT) because Arizona does not observe daylight savings time.