Second Alliance: Who They Are and Your Rights

Type

Collection agency

Also known as

Second Alliance, Inc.; Second Alliance Inc.

Collects

Federal Perkins Loans, campus-based student loans, student account balances

Phone numbers it lists

(800) 830-7570

Website

secondalliance.com

126 debt collection complaints were sent to the Consumer Financial Protection Bureau about Second Alliance, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Second Alliance?

Second Alliance, Inc. is a collection agency that focuses on what the student-aid world calls "campus-based" receivables: money a student owes directly to a college rather than to a federal loan servicer. Its website describes the company as "a collection agency and extension of your school's student account department" and says its management team has at least 25 years each of experience as collectors in the campus-based industry. Its president is Scott Holmquist.

The company's mailing address is PO Box 10564, Canoga Park, California 91309. Students can reach it at (800) 830-7570 or [email protected], and it offers an online student account portal. Its site states, "This is an attempt to collect a debt by a debt collector." We did not find a CFPB enforcement action against Second Alliance.

Why Second Alliance May Be Contacting You

If Second Alliance contacts you, a school you attended has most likely placed one of these with it:

• A defaulted Federal Perkins Loan. Schools were the lenders on Perkins Loans, so the school, not the Department of Education's servicer, handles collection.
• A school's own institutional loan.
• An unpaid student account. This might be tuition, fees, housing or a balance created when aid was returned after you withdrew.

The company also offers schools an optional "CURE program," which it describes as an early-stage service to help borrowers rehabilitate a delinquency before long-term collection placement. Most complaints naming Second Alliance in the CFPB database were filed in 2025 and 2026, and many involve student loan debt or credit reporting.

How to Check a Debt Second Alliance Says You Owe

Student account balances are often the result of aid adjustments that you may never have been told about. To check one:

• Read the validation notice. It must name your school or the current creditor and itemize the balance, including any collection costs added by the school (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if the charges are wrong. Second Alliance must stop collecting until it verifies the debt. See how to dispute a debt.
• Ask the school's bursar for the ledger. Request the term-by-term charges, aid disbursements and any return of Title IV funds after a withdrawal.
• For a Perkins Loan, check the federal record. Second Alliance's own Perkins page points borrowers to the National Student Loan Data System, and it describes rehabilitation, which takes nine consecutive on-time monthly payments. Ask about rehabilitation, cancellation or consolidation before you agree to a settlement.
• Know the limitations rules. Federal student loans, including Perkins Loans, generally have no statute of limitations. A private tuition balance may be governed by state law, such as Texas's four-year period (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states' periods differ.

What Second Alliance Can and Can't Do

As a third-party agency collecting debts owed to schools, Second Alliance is a "debt collector" under 15 U.S.C. § 1692a(6). In practice:

• It can't tell you a transcript hold, lawsuit or credit report will follow unless that is true and intended (15 U.S.C. § 1692e(5)).
• It can't discuss your student debt with parents, roommates or an employer, except to find your address or phone number (15 U.S.C. § 1692c(b)). See contact with family or employers.
• It can't collect collection costs or fees beyond what your agreement with the school or the law allows (15 U.S.C. § 1692f(1)).
• It must follow the Regulation F limits on calls, texts and emails, including the presumption of no more than seven calls in seven days (12 C.F.R. § 1006.14(b)(2)).

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Second Alliance or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Second Alliance: Students
• Second Alliance: About us
• Second Alliance: Top ten reasons
• Second Alliance: Federal Perkins Loans
• Second Alliance: Contact us
• CFPB consumer complaint database: Second Alliance, Inc.
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Second Alliance, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Second Alliance has violated any law. Company details change; tell us if something here is out of date.