Put the Leader in the Art and Science of Student Lending to Work for You.

We solve loan management problems with unmatched expertise and analytical capabilities.

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Find Out Why 8 of the Top 11 For-Profit Colleges Depend on Us.

Our advanced analytics ensure you’ll have the right information to make key student loan management decisions and reduce defaults by  

up to 50%.

Help For Schools

Relieve Student Borrower Stress.

Our proven loan management methodology give borrowers what they need – a payment plan that works for them and you.

Help For Borrowers

Achieve Industry-Leading Results with Better Data & Superior Technology.

Our solutions provide you with the most current and accurate data to ensure optimal student loan performance.

How We Work

Reducing risk and increasing success for:



Our expertise in managing Title IV federal loan funding for student loans, as well as our proven track record of reducing cohort default rates (CDR), helps colleges and universities of all sizes greatly improve their revenue and enrollment rates. More »



We also help private lending institutions boost the financial performance of their student loan and consumer loan portfolios.  Our predictive analytics and loan management methodology enable you to better leverage your data to improve repayment rates. More »



If you’re invested in a portfolio of private student loans, or considering making such a purchase, our advanced analytical capabilities and loan management expertise can help improve collection returns, reduce loan maintenance challenges, and advise on your pre-purchase valuation. More »

Our Capabilities

We’re much more than a typical technology or analytics solution provider – we serve our clients as a trusted partner that fully supports your needs through a data-driven methodology and a dedicated, hands-on support staff. Let us help you in these key areas:

Data Management

Data Management

Looking for immediate results? Leverage our advanced data management capabilities from the start, with an average deployment of only 45 days. In fact, Loan Science is the only resource that offers both off-the-shelf reports and custom reporting options as soon as the solution is deployed, with data security that sets the standard for industry-best practices.

Business Intelligence

Business Intelligence

Our data management solution supports all the student loan data available, including the National Student Loan Data Systems (NSLDS), loan servicers and your school’s student information system. Our standard reporting provides a wide array of key performance metrics by cohort year, as well as forecasting of future CDR performance.  Loan Science business intelligence provides you with everything you need to uncover new trends and determine the best solutions for your borrowers and your business.  

Predictive Analytics

Predictive Analytics

Our data-driven methodology accurately predicts the default risks of individual borrowers, then determines the most effective way to reach each of these borrowers for optimal return – from early intervention through the life of the repayment. Since you’re reaching only the right people at the right time, your costs are lower while your customer relationships reach new levels of cooperation and satisfaction.

Early Intervention Programs

Early Intervention Programs

Once our predictive analytics determine precisely when to reach out to your former students, our comprehensive call center approach deploys a targeted combination of messaging and communication channels tailored for each borrower to deliver your optimal ROI. Loan Science is continually innovating – providing our clients with more effective programs and methods to further improve performance while minimizing borrower stress.


Loan Science Receives Recommendation from Elizabeth Keifer Herron of PEAC

As a founding partner of the Post-secondary Education Assistance Corporation (PEAC) and the owner/operator of its default prevention service -- Student Loan Assistance, I spent more than twenty years partnering with institutions to encourage student loan repayment and support effective... See Full Story »

Loan Science delivers School Supplies to Walnut Creek Early College Prep Elementary

The poet W.B. Yeats, once said “Education is not the filing of a pail, but the lighting of a fire.” On Thursday, August 18th, members of the Loan Science team took 24 new backpacks full of school supplies to Walnut... See Full Story »


Student Loan Default Prevention in the Modern Era

The challenges facing student loan borrowers have not changed over time. However, the solutions designed to help these borrowers have changed dramatically. The rules have changed also. Back in the day, deferments and forbearance were the primary tools used to... See Full Story »

What’s the Likely Trump Effect on Higher Education?

Now that the nation has spoken, people are interested in what is likely to happen in a variety of industries once President-Elect Trump takes office this month. Likewise, in higher education, our clients and other interested parties that follow this... See Full Story »

I'm a Borrower

If we’ve contacted you on behalf of your school, our goal is to help you get back on track – without pressure. Our services are always at no cost to you the student borrower. Click here to learn more »