ECMC Group Student Loan Trust 2020-3

$360,900,000 Class A Student Loan-Backed Notes

Notice To Noteholders and Request for Noteholder

December 31, 2024 Monthly Servicing Report
November 30, 2024 Monthly Servicing Report
October 31, 2024 Monthly Servicing Report
September 30, 2024 Monthly Servicing Report
August 31, 2024 Monthly Servicing Report
July 31, 2024 Monthly Servicing Report
June 30, 2024 Monthly Servicing Report
May 31, 2024 Monthly Servicing Report
April 30, 2024 Monthly Servicing Report
March 31, 2024 Monthly Servicing Report
February 29, 2024 Monthly Servicing Report
January 31, 2024 Monthly Servicing Report
December 31, 2023 Monthly Servicing Report
November 30, 2023 Monthly Servicing Report
October 31, 2023 Monthly Servicing Report
September 30, 2023 Monthly Servicing Report
August 31, 2023 Monthly Servicing Report
July 31, 2023 Monthly Servicing Report
June 30, 2023 Monthly Servicing Report
May 31, 2023 Monthly Servicing Report
April 30, 2023 Monthly Servicing Report
March 31, 2023 Monthly Servicing Report
February 28, 2023 Monthly Servicing Report
January 31, 2023 Monthly Servicing Report
December 31, 2022 Monthly Servicing Report
November 30, 2022 Monthly Servicing Report
October 31, 2022 Monthly Servicing Report
September 30, 2022 Monthly Servicing Report
August 31, 2022 Monthly Servicing Report
July 31, 2022 Monthly Servicing Report
June 30, 2022 Monthly Servicing Report
May 31, 2022 Monthly Servicing Report
April 30, 2022 Monthly Servicing Report
March 31, 2022 Monthly Servicing Report
February 28, 2022 Monthly Servicing Report
January 31, 2022 Monthly Servicing Report
December 31, 2021 Monthly Servicing Report
November 30, 2021 Monthly Servicing Report
October 31, 2021 Monthly Servicing Report
September 30, 2021 Monthly Servicing Report
August 31, 2021 Monthly Servicing Report
July 31, 2021 Monthly Servicing Report
June 30, 2021 Monthly Servicing Report
May 31, 2021 Monthly Servicing Report
April 30, 2021 Monthly Servicing Report
March 31, 2021 Monthly Servicing Report
February 28, 2021 Monthly Servicing Report
January 31, 2021 Monthly Servicing Report
December 31, 2020 Monthly Servicing Report

Current and Historical Rates

Date of Issue: November 20, 2020

Issue Amount: $85,900,000 (Fixed)
$275,000,000 (SOFR)
Total: $360,900,000

Securities Offered:
Class A Floating Rate Asset-Backed Notes
Rate: Fixed
CUSIP: 26833BAA1

Class A Floating Rate Asset-Backed Notes
Rate: One Month SOFR + 1.00%
CUSIP: 26833BAB9

Servicers:
Navient Solutions, Inc.

Indenture Trustee:
Manufacturers and Traders Trust Company

Eligible Lender Trustee:
Manufacturers and Traders Trust Company

Administrator:
Navient Solutions, Inc.

Initial Purchaser:
J.P. Morgan