The Leader in the Art
and Science of Lending.

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

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Find Out Why 9 of the Top 12 For-Profit Colleges Depend on our Analytics.

Our advanced analytics and results-oriented expertise ensures accurate data to make key loan management decisions for your school.

Help For Schools

We Relieve Stress. For Borrowers 
and Lenders Alike.

Our proven methods give borrowers what they really need – a payment plan they can live with, from people who sincerely know how to help.

Help For Borrowers

Stronger Data, More Effective Tools – Industry-Leading Results.

Our customizable programs provide instant access to the latest and most accurate data to assure optimal performance.

How We Work

Reducing risk and increasing success for:



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



We greatly improve the performance of private student and consumer loan portfolios held by private lending institutions. Our predictive analytics and relationship management techniques allow you to better leverage your data to achieve better repayment from less stressed, more cooperative borrowers. More »



If you’re invested in a portfolio of private student loans, our advanced analytical capabilities and comprehensive support help improve collection returns and reduce loan maintenance headaches. More »

Who We've Worked With

Our Capabilities

We’re much more than a capable resource – we’re a trusted partner that will fully support your needs through 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? You can leverage our advanced data management capabilities from the start, with an average deployment of only 20 to 60 days. In fact, Loan Science is the only resource that offers off-the-shelf reports as soon as the solution is deployed, with data security that sets the standard for industry-best practices.



You’ll receive a complete data warehousing solution for all the student loan data available, including NSLDS, loan servicers and your school’s internal information system. Standard reporting covers cohort default rates, repayment rates and Department of Education metrics and more by cohort year. Loan Science reporting tools provide you with everything needed to uncover new trends and determine best solutions.

Predictive Analytics

Predictive Analytics

Our data-driven methodology accurately determines 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

We know precisely when to reach out to your customers, and then our pre-charge-off collection specialists are expertly trained to deliver optimal ROI for you. And Loan Science doesn’t rest on reputation – we’re continually innovating with better, more effective methods to improve your return while easing borrower stress.



Best Practices Step 1: Start with a CDR Goal in Mind

There are steps your school can take to have a positive impact on your school's future financial stability and maintain your Title IV eligibility. You can also take action to boost future enrollment and manage your revenue. It all starts... See Full Story »

Default Management Has Changed

Five Best Practices for School and Student Success A number of societal factors in recent years have combined to create significant economic barriers for today’s students – soaring education costs, increased loan borrowing, and lower average starting salaries, to name... See Full Story »

I'm a Borrower

If you get behind on your student or personal loan, we can help you get back on track – without pressure and without additional charges. Click here to learn more »