Journeys

This program is a robust combination of counseling, customized communications, and personal finance newsletters to newly graduated borrowers that provide them with the career and financial literacy information they need to establish good repayment habits.

• – College graduates who received regular debt management and career advice throughout the first 2 years of repayment were half as likely to default.

Transitions

This program is for students who withdraw from school before graduation, a population typically more at risk for repayment problems. Direct mail and phone calls provide these student loan borrowers with helpful information on options, such as returning to school and postponing loan payment, beginning standard monthly payments, or exploring alternative payment plans.

• – Delinquency among students who dropped out before graduation, but received counseling on their repayment options, dropped by 27%.

Bright Beginnings

This supportive program helps defaulted borrowers avoid or reverse the many negative effects of default by guiding them toward making several consecutive payments and establishing a regular payment pattern.

• – Defaulted borrowers who were invited to join Bright Beginnings were 50% more likely to complete the entire rehabilitation process and bring their loan back to good standing.

Train the Trainer

We help college financial aid professionals in rounding out students’ education by giving them the tools to teach the basics of money management, budgeting, credit, and credit reports.

Portfolio analysis and segmentation

Some borrowers are going to need more of a helping hand than others when it comes to managing the repayment process. ASA uses sophisticated risk assessment tools, scoring models, and analyzation techniques to identify those segments of our portfolio most likely to require additional outreach and assistance.