• We provide robust student borrower communications and counseling.
• We communicate with students while in school about their current student loan debt.
• We use the latest contact center, text messaging, email, and postal mail technologies.
• Students benefit from knowing about their debt obligations early and frequent reminders help them successfully enter into and stay in repayment. 
• Our student financial literacy web toolkit provides financial calculators and information to encourage wise borrowing, budget management, and future planning.

• We charge one low monthly fee for each student borrower serviced. We can service students who are in any or all of the following statuses: In-School or Grace Period, Repayment, Deferment, Forbearance, or Defaulted and subject to an active 3-year CDR period.
• We offer volume discounts to multi-campus systems of higher education.
• Individual, specific, targeted contact services are also available at a-la-carte pricing.

• The following services are included in our low monthly fee for a great value:
• Full-service student contact center
• Student website financial planning resources and calculator (available to all students) 
• Detailed monthly reports which include borrower level information by delinquency stage
• Comprehensive CDR analysis 
• Promotional campus collateral materials are available (posters, brochures, flyers, postcards, handouts, etc.) 
• Loan servicer coordination assistance for both schools and students 
• Training for school officials on borrower counseling strategies, repayment assistance rules and regulations, and CDR management
• Comprehensive skip tracing on accounts with invalid information (old addresses, emails, phone numbers)
• Additional individual specific targeted contact services are also available at a-la-carte pricing

• We recommend signing up with us for at least a one year term for us to prove our services to you and lower your CDR rates.
• We are confident that our services will work for you, challenge us by starting with your students that are most at risk of defaulting.
• We have flexible contract terms to meet your unique situation.

• Our on-boarding team works directly with your school on all pre-servicing preparation tasks.
• We assist your school in requesting access to NSLDS, as an agent for your school. Once access is established, no other NSLDS interaction is required from your school. We do all the work by downloading your students’ information and launching robust communications campaigns.
• Schools may also transfer data (like private loan information) to us via our SFTP server that is FIPS 140-2 certified. 
• We are an official 3rd-party servicer on the U.S. Department of Education’s ECAR.

• Contact us to assess your needs and submit a proposal. After the contract is signed, we can begin our communications implementation plan within 45 days.

• We provide detailed monthly reports as part of our contracted services. Reports include the following information:
• Actual, Estimated, and Projected Cohort Reporting
• History of Official CDR and Draft CDR (if applicable)
• Delinquency Overview, History, and Trends
• Portfolio Status and Overview

Yes. To protect personal student data, we operate with the highest security standards that meet or exceed the Family Education Rights and Privacy Act (FERPA) requirements.  Independent verification of our security controls have been confirmed by RiskSense, Blue Canopy, and Security Metrics.

We provide a variety of collateral for schools to get the message about our services out to your students including posters, brochures, postcards, email templates and more. We can also develop custom materials to meet your needs.

Co-branding with your school is standard. All of our collateral, messaging, and websites are also customizable to co-brand with your school’s brand and messaging standards including your school’s logos and colors.

Dare to compare. Try us out with a small portfolio of your most at-risk defaulted or delinquent student borrowers to see how our methods compare.

Yes. We've had over 35 years to perfect student communications and are happy to help with other messages you may want to send. Contact us for custom services and pricing to help with campus based notifications, health and awareness campaigns, housing renewals, registration, balance alerts, and more. Are you concerned about student debt letter legislation in your state? Use our affordable student communication services to help you comply.

GetWisEdu is a service provided by your school. We are contacting you because your school has contracted with our service to notify you about your federal student loans. Your school wants to help you successfully repay your student loans.

Contact your loan servicer immediately. When you fall behind on your payments, you are considered delinquent on your loan. Missing payments or late payments can affect your credit rating as well as jeopardize any cost saving benefits that you may receive. There are serious consequences for not making your student loan payments. There are several repayment options including income-driven repayment plans and other options like deferment and forbearance that can temporarily stop or reduce the amount you pay on your loans. The most frequent comment heard from borrowers in default is "I wish I'd called my servicer sooner”. Don’t be that person…contact your loan servicer before you miss a payment.

Yes. This is called Automatic Payments. We recommend this option as you don’t have to remember to pay your loan bill every month. By enrolling in Automatic Payments you may qualify for an interest rate reduction. Contact your servicer to set-up Automatic Payments.

Income-Driven Repayment plans are designed to keep your payments affordable based on how much money you make. These plans are based on your earnings and family size and are evaluated and adjusted every year. You must certify your income each year to continue to qualify for these plans.

Find out if income-driven repayment plan is right for you with this calculator. Interest continues to accrue on your loans, and your monthly payment will increase as your income increases. Unpaid interest during periods of reduced monthly payments may be added to your loan balance; increasing the total amount owed. You may qualify for loan forgiveness if your student loans are not fully repaid after 20 or 25 years – again, depending on the program you qualify for. Contact your loan servicer to enroll.

If you are unemployed or experience a temporary financial hardship, you may qualify for deferment. Deferment is a temporary solution that stops or decreases your student loan payments during circumstances that have you struggling to repay your student loans. Interest continues to accrue during Deferment and if not paid, will be added to your loan balance and increase the total amount owed. Contact your loan servicer to see if you qualify.

Forbearance is a temporary solution that stops or decreases your student loan payments when you are struggling to pay your student loans in qualifying situations. Interest continues to accrue during Forbearance and if not paid, will be added to your loan balance increasing the total amount you owe. Contact your loan servicer to see if you qualify.

Your loan will be considered delinquent if your full payments are not received by the due dates. Even missing one month or not paying the full loan payment amount means your loan is delinquent. You may be charged late fees for delinquency. You also can lose eligibility for loan benefits like interest rate reduction. Your loan status will remain as “delinquent” until you make up the missed payments through deferment, forbearance or by catching up on payments. A delinquent loan goes into default after you have not made a payment for several months (270 days for federal loans). Defaulting on student loans has serious long term consequences. Once your student loan is in default, the entire current balance becomes due, not just the missed payments. Avoid default at all costs. Contact your loan servicer to help you get back on track.

If you believe your account should not be delinquent, immediately contact your loan servicer. Often borrowers in this situation are not aware that the Deferment or Forbearance period has expired, or submitted a request but did not follow-up to make sure it was approved.

Your loan servicer’s records do not show you are currently in school. Contact your loan servicer immediately and make sure your enrollment status is updated.