NCO has served clients in higher education for over 30 years, and our experience is directly reflected in our ability to drive results. NCO is the preferred partner of hundreds of colleges and universities. We are results-oriented with an approach to recovering delinquent educational accounts that maintains the professional image that is important to your institution. We truly believe that we are an extension of your institution and we understand the importance of preserving the relationship that exists between the borrower and your institution. Our account representatives also understand how important it is to recover potential lost dollars so that future students will have an opportunity to receive the benefits of low interest loans. NCO Education Services is fully compliant, licensed and participates in annual attestation audits. NCO provides you with the local service and one-on-one attention you and your students deserve. We value your students and treat them with respect, while reducing default rates and increasing cash flow.

Portfolio Evaluation Services
NCO will assist in designing and implementing cost-effective portfolio examination solutions for colleges and universities. Our experienced staff will assist you in managing your portfolio by examining and determining the best method for removing accounts from default status. We will provide onsite-assistance to help in this process to ensure your portfolio has gone through an extensive recovery cycle.

Cohort Default Management
One of the most significant issues facing institutional management of the Federal Perkins Loan Program is effective administration of your portfolio's cohort population to maintain a low cohort default rate. NCO's Cohort Default Management service uses customized collection letters and telephone contact campaigns to maximize contacting borrowers that the institution may not have the internal resources to do. We provide cohort default management services that enable clients to better control their at-risk borrowers by quickly curing accounts while maintaining a positive relationship with all borrowers.

Account Notification or Pre-Collection
The ultimate goal of the Pre-Collect Program is to create an opportunity to communicate with the borrower and re-direct that borrower to your institution so that the situation can be resolved internally. The Pre-Collect Program can be used as a final internal collection effort prior to placing accounts with an agency. We initiate the recovery process by forwarding a letter designed to seek payment of the amount due. This service is available as a stand-alone service, or as part of traditional collection activities.

Post-Default Collection Services
NCO provides a wide range of essential non-core revenue management services such as Accounts Receivable Management (ARM) and collections to provide a complete receivable management and recovery service that meets the needs of our clients. Our collection system provides ultimate flexibility in designing a collection program that will fit within the needs of any higher education institution.

Attorney Network Services™
NCO Attorney Network Services designs and implements cost-effective legal collection solutions for creditors across the country, managing nationwide legal resources complemented by modern facilities, leading-edge technology, and the expertise needed to get results.

We meet the needs of educational institutions large and small, whether their requirements call for the implementation of a pre-litigation collection campaign for selected accounts or for a nationwide bankruptcy recovery program. We improve our client's bottom line through customization, working closely with them to identify and implement solutions that will yield quality results.

NCO Attorney Network Services consists of the following services:

• Pre-litigation Collections
• Attorney Network Collections
• Bankruptcy Recovery Programs
• Probate Accounts
• Suit Scoring
• Non-Dischargeable Debt Programs

NCOePayments™
Our integrated payment solutions efficiently serve students, helping to increase payments and grow revenue for the institution. We offer students secure payment options via the telephone and Internet. Our flexible and completely customized solutions include:

• Interactive Voice Response (IVR) Solutions
  NCOePayments provides the opportunity to offer students multiple payment options. NCO can implement a customer-friendly and convenient IVR payment solution quickly and effectively. Strudents experiencing difficulty with the IVR system will be transferred to an NCOePayments representative who will help them with completing the payment process.
• Call Center Solutions
  Using NCO's advanced extranet technology, your call center representatives can 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.
• Internet
  NCOePayments also offers an integrated Internet payment solution that is available 24 hours a day, 365 days a year. Utilizing this version of NCOePayments allows students to link directly from the college's website to the NCOePayment site and make direct payments into a secure, centralized database.

NCOePayments gives students automated payment options, over the phone and the web, without the capital investment of our higher education clients.