Student Loan Law: 18.2.2.4 Special Issues Involving Collection of Federal Student Loans
The FDCPA exception for “any officer or employee of the United States or any State”20 does not apply to collectors hired by the Department or a state, as the collector is not a governmental employee, but a private party contracting with a governmental entity.21 On the other hand, questions arise as to the FDCPA applicability because the HEA sets out certain collection standards in its due diligence collection rules.