Students begin their education with high hopes and good intentions, but circumstances sometimes deter repayment. At the same time, we understand that institutions of higher education want to maintain their professional image with their students and alumni. NCO has been working with institutions of higher learning for more than 40 years. We operate an independent business unit, NCO Education Services, that is solely focused on working with colleges and universities, guaranty agencies, lenders, and servicers.

We have personnel and call centers that are 100 percent dedicated to the higher education industry, giving us unparalleled expertise in designing, implementing, and managing outsourcing programs that meet the unique needs of our education clients. Our personnel are trained to perform with sensitivity to the circumstances of student borrowers while observing the best interest of our clients and conducting all activity in strict compliance with all applicable laws and regulations. NCO Education Services actively participates in organizations like NCHELP and COHEAO to monitor issues impacting the management of student debt.

NCO offers a full range of services to the higher-education sector, including:

• Campus-Based Solutions
• Guaranty Agency Solutions
• Private / Alternate Loan Solutions
• University Accounting Service (UAS) Loan Servicing

NCO 360®

NCO is proud to debut NCO 360, a singular, one-stop solution for all your collection needs. We have drawn on our extensive resources to provide an end-to-end process with full support for pre- and post-charge-off collections, third-party collection agency management, payment processing, and debt litigation, all contained in one program.

NCO 360's value proposition is straightforward: a simplified approach to debt collection combined with greater cash collections and competitive pricing.

The services include:

• Portfolio valuation and scoring/segmentation
• Pre-activation and ongoing scrubs for bankrupt and deceased accounts as well as back-office put back support
• Ongoing account-specific information, including credit bureau reporting and automatic address/phone number updates
• Alerts from our proprietary system, which flags new debtor activity
• Agency and attorney management
• Client-approved auditing program
• Debt resale support