NCO Education Services has been working with campus-based higher education clients for more than 40 years. We are the partner of choice for hundreds of colleges and universities across the United States, ranging from small community colleges to large multi-campus university systems. These institutions trust NCO as their preferred partner because of our ability to operate as an extension of their own operations and develop programs that meet their exact needs while remaining in full compliance with all applicable regulations.

The NCO Education Services team has experience with all kinds of higher-education receivables, including Perkins loans, tuition, parking fines, fees, and other miscellaneous receivables. Our account representatives understand how important it is to recover potential lost dollars in order to keep tuition costs down and to ensure future students will have an opportunity to receive the benefits of low interest loans. At the same time, we understand the important relationship between you and your students. We treat students with respect, working with them to reduce their debt while increasing cash flow for you.

We offer the following accounts receivable management solutions for campus-based clients:

Portfolio Evaluation Services

NCO Education Services offers the most comprehensive menu of accounts receivable management services for colleges and universities. With so many resources at our disposal, we take the time to develop solutions to our clients’ problems rather than selling a one-size-fits-all collections program.

Our Portfolio Evaluation Service lets us put our 40 years of experience with colleges and universities to work for you. Our experienced personnel will thoroughly review your delinquent accounts and put together easy-to-read reports that provide a snapshot of your portfolio. With that information, we recommend a collections program that is tailored to your exact needs.

Pre-Collection Services / Account Notification

NCO’s pre-collection program helps colleges and universities resolve accounts where the student has not responded to internal collection efforts. We instill a sense of urgency by notifying students that their account is about to be placed with a collection agency, and urge them to contact you to resolve the situation internally before they are sent to collection. We offer pre-collection letters as a standalone service or as the first part of a more comprehensive accounts receivable management approach.

Cohort Default Management

NCO understands how important it is for colleges and universities to maintain a low cohort default rate for the Federal Perkins Loan Program, since a low default rate helps ensure money is available for future students. NCO Education Services offers a special Cohort Default Management program to help colleges and universities contact at-risk borrowers quickly, working to bring their accounts current before they slip into serious delinquency. Cohort accounts receive special treatment through customized collection letters and telephone campaigns, and we work with borrowers to determine if one of the many types of available administrative resolutions are best suited for them, including consolidation, deferment, forbearance, or cancellation.

Post-Default Collection Services

When all other resources are exhausted, NCO’s third-party collections programs leverage the resources of the world’s largest accounts receivable firm to help you recover defaulted loans and other receivables. The NCO Education Services team excels at developing collections programs for campus-based higher education clients, and we can develop a customized solution that includes telephone calls, letters, credit bureau reporting, skip tracing, administrative resolution, and legal action, if necessary. Every element of our collections program, starting with how our clients send us information and ending with the types of reports we deliver, can be tailored to your exact requirements.

NCO Education Services understands the special bond that colleges and universities have with their students, and our collections strategies are designed to keep that relationship in tact while resolving accounts and staying within full compliance with all applicable laws and regulations. Because NCO is a current contractor with the U.S. Department of Education, our operations undergo heavy scrutiny and thorough audits to ensure we comply with rigorous performance standards. NCO Education Services has a zero tolerance policy when it comes to violations. We operate the largest corporate compliance department in the industry, and our representatives receive comprehensive training on professionalism, collections techniques, and the laws that govern our industry.

NCO Education Services has experience collecting all types of campus-based receivables, including:

• Student loans
• Tuition
• Parking fines
• Miscellaneous fees

Attorney Network Services™

When legal action is required, NCO Attorney Network Services maintains a nationwide network of attorneys who offer a full suite of legal services, including:

• Pre-litigation Collections
• Attorney Network Collections (Litigation)
• Bankruptcy Recovery Programs
• Reaffirmation Invitation Programs
• Non-Dischargeable Debt Programs
• Nationwide Motions Filing
• Nationwide Replevin Filing
• Probate Accounts
• Suit Scoring

NCOePayments™

NCOePayments allows students to pay their bills electronically over the telephone or the Internet, using a check, credit or debit card, or automated clearing house (ACH) transactions. Our flexible and completely customized solutions include:

ePay Phone. NCOePayments provides our clients the opportunity to offer customers multiple payment options. NCO can implement a customer-friendly and convenient IVR payment solution quickly and effectively. Customers call a toll-free number provided by NCO and access an automated message welcoming them to the bill payment center in the client's name. Customers experiencing difficulty with the IVR system are transferred to an NCOePayments representative who assists them with completing the payment process.

ePay Exchange. Using NCO's advanced extranet technology and with the help of a live call center representative, customers make payments directly. Representatives take payments using NCO's proprietary, customizable payment entry screen. Client representatives can log on to the NCOePayments extranet portal from their call center using a web browser, password, and office code. Representatives then enter payments directly into our database.

ePay Online. NCOePayments also offers an integrated Internet payment solution available 24 hours a day, 365 days a year. Using this version of NCOePayments allows customers to link directly from the client's website to the NCOePayments site and make direct payments into a secure, centralized database.

ePay Enterprise. NCOePayments offers this service to NCO clients who wish to use their own system, whether their automated phone system (IVR), customer service system used by customer service reps, kiosk machines, Web sites, or any other system which they use to collect payments. In this scenario, the client connects directly into NCO's payment processing engine. The client uses its own systems products, but benefits from NCO's processing efficiencies and expertise.