Federal Student Loans

While most institutions know their Cohort Default Rate (CDR), few understand where that default is being created. Our framework—Program Gravity—identifies which academic programs or majors are driving default and nonpayment concentrations. Knowing your Program Gravity allows for targeted, earlier interventions—focused on the right programs, at the right time, with the right approach—helping you address risk at its source and improve portfolio health.

Maximize Federal Funding Retention 

We specialize in comprehensive collection and borrower engagement services that prioritize early intervention, reducing defaults, and maintaining your institution’s access to federal funding.

Proven Capabilities that Drive Success: 

• Targeted Outreach & Segmentation: Utilizing multi-channel communication including phone, email, text, and digital platforms to proactively engage borrowers, with segmentation based on propensity to pay for more effective resolution.
• Data-Driven Strategies & Portfolio Analysis: Leveraging analytics to identify at-risk borrowers, analyzing portfolio risk, and implementing targeted outreach for resolution.
• Regulatory & Compliance Expertise: Ensuring all collection practices meet or exceed federal laws, including FDPA, FDCPA, and other applicable regulations.
• Pre- Default Engagement: We reach borrowers before delinquency deepens. Using multi-channel contact, clear communication of repayment options, and timely outreach, we proactively address accounts at risk. Our goal: prevent accounts from becoming CDR events, not just provide counseling.
• Ongoing Program Optimization: Regularly analyzing market leading performance metrics, portfolio data, and adjusting strategies to improve outcomes and retain federal funding.

End-to-End Services Across the Loan Lifecycle: 

• Early Engagement & Prevention: Multi-channel communication designed to reach borrowers early, inform them of options, provide counseling, and encourage successful repayment.
• Default Management & Resolution: Certified teams equipped to handle complex default scenarios, including rehabilitation, repayment plans, and consolidation.
• Technology & Data Analytics: Proprietary platforms providing real-time insights, streamlining workflows, and optimizing borrower contact strategies.

 Dedicated Support for Your Institution:

• Customized outreach plans aligned with your goals and compliance requirements.
• Regular reporting and analytics dashboards to monitor progress, borrower engagement, portfolio health, and funding retention.
• Seamless collaboration to integrate strategies with your existing processes.

• Deep Expertise in Federal Student Loan Collection: 30+ years in the student finance market including extensive knowledge of federal regulations and borrower engagement strategies.
• Extensive Higher Education Experience: Supporting over 50 college, university, career school programs, and institutional financing program managers, providing tailored, compliant, and effective outreach solutions to safeguard your federal funding and support your borrowers.
• Advanced Technology: Innovative platforms that enhance outreach efficiency and effectiveness.
• Proactive & Preventative Focus: Emphasis on early engagement, counseling, and portfolio management to reduce default rates and preserve federal funding.
• Institutional Partnership: Dedicated to supporting your institution’s financial health and compliance through tailored, omni-channel outreach.
• Federal Student Loan Success: Committed to helping your institution retain funding, support borrowers, and ensure compliance with comprehensive, proactive outreach strategies.