Markets

ACT's clients represent a range of partnerships with numerous colleges and universities, state guarantors, private educational lenders and even the U.S. Department of Education. Our vast client base demands nationwide licensing and compliance with insurance requirements, as well as an exceptional familiarity with each debt type and thorough awareness and observance of the laws and regulations pertaining to collection within the higher-education industry.

Campus-based

By blending sensitivity with our strategic consultative methods, ACT reduces default rates while carefully preserving the relationship between you and your alumni. ACT uses various debt management techniques to resolve an account holder's obligation. From pre-collect to Cohort management.

State Guarantor

The unique dynamics of the FFELP community and heavy regulatory limitations demand a specialized approach. ACT sets our performance strategies based on each guarantor's financial recovery model using conventional collection strategies with a strong emphasis on Rehabilitation. Dependent upon each guarantor client, ACT utilizes William D. Ford Direct Loan Consolidations and when appropriate, Administrative Wage Garnishment (AWG).

Private and Alternative Lenders

With the high risk associated with private lending, ACT strategically maximizes revenue recoveries while meeting your expectations through competitive analysis. From Default Aversion to full collection management, the overall goal is to satisfy the delinquency or eradicate any defaults minimizing risk and loss to the lender. Continuous portfolio analysis and communication is essential for both the client and account holder to resolve the outstanding delinquency or defaulted debt.