UB annual finance guide: an easy-to-use guide on finance information for higher education.Campus Commerce CollegeNET, Inc. 805 SW Broadway Broadway, famous thoroughfare in New York City. It extends from Bowling Green near the foot of Manhattan island N to 262d St. in the Bronx. Throughout its length Broadway is chiefly a commercial street. , Suite 1600 Portland Portland, town, England Portland, town (1991 pop. 12,945), Dorset, S England. It is on the Isle of Portland, a small rocky peninsula. Portland stone has been used in St. Paul's Cathedral and other important London buildings. Lobsters and crabs are harvested. , OR 97205 Phone: (503) 973-5200 e-ValuCheck 30021 Tomas, Suite 250 Rancho ran·cho n. pl. ran·chos Southwestern U.S. 1. A hut or group of huts for housing ranch workers. 2. A ranch. Santa Margarita Santa Margarita ("Saint Margaret") may refer to:
Phone: (949) 888-1006 www.evalucheck.com Higher One, Inc. 25 Science Park New Haven New Haven, city (1990 pop. 130,474), New Haven co., S Conn., a port of entry where the Quinnipiac and other small rivers enter Long Island Sound; inc. 1784. Firearms and ammunition, clocks and watches, tools, rubber and paper products, and textiles are among the many , CT 06511 Phone: (203) 776-7776 www.HigherOne.com Focused exclusively on higher education higher education Study beyond the level of secondary education. Institutions of higher education include not only colleges and universities but also professional schools in such fields as law, theology, medicine, business, music, and art. , Higher One offers an innovative approach to student financial services The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. making the financial interactions between the university, the student, and their family easier. The company does this through patent pending products and services: * OneDisburse[SM] enables the institution to create drastic cost avoidance Cost avoidance is a management accounting term referring to an expense one has avoided incurring. It is commonly used in the field of energy management to describe the energy costs you avoided due to energy management initiatives. and increases service in the financial disbursements process compared to disbursing via paper check or ACH (Automated Clearing House) A system of the U.S. Federal Reserve Bank that provides electronic funds transfer (EFT) between banks. It is used for all kinds of fund transfer transactions, including direct deposit of paychecks and monthly debits for routine payments to direct deposit. * OneFinance[SM] enables the institution to offer a suite of financial services, including a free checking account with unique features designed for students, as a benefit of enrollment or employment at the institution. infiNET 1425 East Busch Busch , Adolf Georg Wilhelm 1891-1952. German-born Swiss violinist and conductor best known for his work as leader of the Busch Quartet, an internationally acclaimed chamber group formed in 1919. Parkway Buffalo Grove Buffalo Grove A village of northeast Illinois, a suburb of Chicago. Population: 43,300. , IL 60089 Phone: (888) 413-3150 www.infinet-inc.com OPUS Orchestrating your future. OPUS Financial Incorporated 10515 Carnegie Carnegie (kärnĕg`ē, kär`nəgē), borough (1990 pop. 9,278), Allegheny co., SW Pa., an industrial suburb of Pittsburgh; inc. 1894. A steel town, it has coal mines and plants that make chemicals and electrical equipment. Avenue Cleveland Cleveland, former county, England Cleveland, former county, NE England, created under the Local Government Act of 1972 (effective 1974). It was composed of the county boroughs of Hartlepool and Teeside and parts of the former counties of Durham and , OH 44106 Phone: (800) 661-5089 www.opusfinancial.org OPUS is proud to introduce the Alumni Advantage program, a unique opportunity for alumni associations An alumni association is an association of graduates (alumni) or, more broadly, of former students. In the United Kingdom and the United States, alumni of universities, colleges, schools (especially independent schools), fraternities, and sororities often form groups with alumni to serve its membership and generate fundraising
OPUS Financial, Inc. is non-profit company created to provide low-cost educational funding, debt management, consolidation and early awareness programs. OPUS has partnered with [A.sup.+]Funds and Medfunds, a long time industry leader, to provide schools and students with custom solutions to meet their educational financing needs. TouchNet Information Systems, Inc. 15520 College Blvd. Lenexa, KS 66219 Phone: (913) 5999 www.touchnet.com Consulting Services Noun 1. consulting service - service provided by a professional advisor (e.g., a lawyer or doctor or CPA etc.) service - work done by one person or group that benefits another; "budget separately for goods and services" Dow (Direct OverWrite) See magneto-optic disk. , Lohnes & Albertson, PLLC PLLC Professional Limited Liability Company PLLC Polk Life and Learning Center (Bartow, FL) PLLC Partners of Limited Liability Corporation Attorneys at Law 1200 New Hampshire Avenue New Hampshire Avenue is a diagonal street in Washington, D.C., beginning at the Kennedy Center and extending northeast for about 5 miles (8 km) and then continuing into Maryland where it is designated Maryland Route 650. New Hampshire Avenue, however, is not contiguous. , N.W. Washington, DC 20036-6802 Phone: (202) 776-2579 KeyBank KeyCorp 127 Public Square Cleveland, OH 44114 Phone: (800) 540-1855 www.key.com/educate MISSION STATEMENT For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $85 billion. PRODUCTS/SERVICES * Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career/Continuing Education loan programs. * Loan consolidation programs--help make repayment easier to manage and free up cash each month. * Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families. * Key On-Line--Easy access to Monthly Payment Plan information. * Easy application and renewal--Families can easily and quickly apply and renew online. * Repayment incentives--several programs/options that save families money. * Materials Order Form--Order collateral material online. * Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs. * Short-term Short-term Any investments with a maturity of one year or less. short-term 1. Of or relating to a gain or loss on the value of an asset that has been held less than a specified period of time. Medical Insurance--An affordable option for your recent graduates. NEWS Key Education Resources--Helping families make the right choices. Planning for education financing/funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years. nelnet[R] Nelnet (National Education Loan Network) 121 South 13th Street, Suite 400 Lincoln Lincoln, city and district, England Lincoln, city (1991 pop. 79,980) and district, Lincolnshire, E England, in the Parts of Kesteven, on the Witham River. , NE 68508 Phone: (877) 564-2696 www.nelnet.net Nelnet is a leading, vertically integrated education The Integrated Education movement in Northern Ireland is an attempt to bring together children, parents and teachers from both Roman Catholic and Protestant traditions, the aim being to provide a balanced education, while allowing the opportunity to understand and respect all finance company, focused on providing quality products and services to participants in the education finance process. Nelnet originates, holds, and services student loans, principally loans originated under the Federal Family Education Loan Program The Federal Family Education Loan Program (FFELP) is a United States Department of Education program that provides for private organizations to market, originate, and service federally guaranteed loans, such as Stafford and PLUS loans to students and their parents. , referred to as the FFEL FFEL Federal Family Education Loan Program or FFELP FFELP Federal Family Education Loan Program Nelnet offers a broad range of financial services and technology-based products, including student loan origination The examples and perspective in this article or section may not represent a worldwide view of the subject. Please [ improve this article] or discuss the issue on the talk page. and lending, student loan and guarantee servicing and a suite of software solutions. The company's infrastructure, technological expertise and breadth of product and service offerings connect the key constituents of the student loan process, including lenders, financial aid officers, guaranty As a verb, to agree to be responsible for the payment of another's debt or the performance of another's duty, liability, or obligation if that person does not perform as he or she is legally obligated to do; to assume the responsibility of a guarantor; to warrant. agencies, governmental agencies, student and parent borrowers, and servicers, thereby streamlining the education finance process. PRODUCTS/SERVICES Our products include an Internet-based financial aid delivery and management system, an Internet-based loan origination system and a centralized cen·tral·ize v. cen·tral·ized, cen·tral·iz·ing, cen·tral·iz·es v.tr. 1. To draw into or toward a center; consolidate. 2. disbursement DISBURSEMENT. Literally, to take money out of a purse. Figuratively, to pay out money; to expend money; and sometimes it signifies to advance money. 2. agent service. Our "open architecture" origination Origination The process through which a mortgage lender creates a mortgage secured by some amount of the mortgagor's real property. Notes: Also known as loan origination, everyone must go through the origination process when securing a mortgage for a piece of real products afford schools the flexibility to work with multiple lenders of their choice. These products are directly integrated into our servicing platform, which provides various features such as loan approval, disbursement of funds, customer service, account maintenance, federal reporting and billing collections, payment processing, default aversion a·ver·sion n. 1. A fixed, intense dislike; repugnance, as of crowds. 2. A feeling of extreme repugnance accompanied by avoidance or rejection. , claim filing and uninsured loan recovery. Our software products include: * Nteract: our Internet-based student loan origination system. * Ntrust: our centralized disbursement agent service. * Ngenius: our origination and disbursement engine that supports Nconcert, Ntrust and Nteract. * Nservice: our servicing system for FFELP and private loans. NEWS Visit www.nelnet.net for the latest news and information regarding Nelnet's product, service, and technology offerings. Noel-Levitz 2101 ACT Circle Iowa City Iowa City, city (1990 pop. 59,738), seat of Johnson co., E Iowa, on both sides of the Iowa River; founded 1839 as the capital of Iowa Territory, inc. 1853. Among its manufactures are foam rubber, animal feed, paper, and food products. The city is the seat of the Univ. , IA 52245 Phone: (800) 876-1117 www.noellevitz.com Sallie Mae Sallie Mae: see SLM Corporation. , the leading provider of education funding, offers enrollment management consulting Noun 1. management consulting - a service industry that provides advice to those in charge of running a business service industry - an industry that provides services rather than tangible objects services through its wholly owned subsidiary Wholly Owned Subsidiary A subsidiary whose parent company owns 100% of its common stock. Notes: In other words, the parent company owns the company outright and there are no minority owners. , Noel-Levitz. The Denver, Co.-based company specializes in higher education student recruitment, financial aid, student retention, market research and customized publications and Web development. Since 1973, Noel-Levitz has partnered with more than 1,700 colleges and universities throughout North America North America, third largest continent (1990 est. pop. 365,000,000), c.9,400,000 sq mi (24,346,000 sq km), the northern of the two continents of the Western Hemisphere. . The company's experienced team helps campuses devise and implement a comprehensive approach to enrollment and net revenue management with assessment tools, professional development programs, institutional research, predictive modeling and student retention tracking software. Noel-Levitz also has offices in Iowa City, and Guelph, Ontario Guelph (IPA: gwɛlf) (population 114,943[1]) is a city located in the Southwestern region of Ontario, Canada. . Scannell & Kurz 40B Grove Street Pittsford, NY 14534 Phone: (585) 381-1120 Fax: (585) 381-2383 info@scannellkurz.com www.scannellkurz.com Scannell & Kurz, Inc. specializes in developing customized financial aid/net tuition For tuition fees in the United Kingdom, see . Tuition means instruction, teaching or a fee charged for educational instruction especially at a formal institution of learning or by a private tutor usually in the form of one-to-one tuition. revenue and enrollment management strategies for their higher education clients. Jim and Kathy work in partnership with clients sharing their analytical techniques An analytical technique is a method that is used to determine the concentration of a chemical compound or chemical element. There are a wide variety of techniques used for analysis, from simple weighing (gravimetric) to titrations (titrimetric)to very advanced techniques using in order to develop greater client self-sufficiency in addressing future enrollment challenges. The solutions recommended are unique to each client, based on a data-driven understanding of the institution's particular market position and challenges. Special attention is paid to ensuring that the solutions are practical, detailed, and implementable. Outcomes include improved net tuition revenue, more effective management of institutional resources, and achievement of specific class profile targets. Financial/Enrollment ACS (Asynchronous Communications Server) See network access server. ACS Education Services One World Trade Center, Suite 2200 Long Beach, CA 90831-2200 www.acs-inc.com/education ACS is the leading provider of fully diversified diversified (di·verˑ·s , end-to-end end-to-end a pattern of anastomosis in which severed ends are matched and united, in contrast with other patterns such as end-to-side or side-to-side. Usually applied to anastomosis of the intestine. , business process outsourcing Business process outsourcing (BPO) is the contracting of a specific business task, such as payroll, to a third-party service provider. Usually, BPO is implemented as a cost-saving measure for tasks that a company requires but does not depend upon to maintain its position in (BPO BPO Business Process Outsourcing BPO Benevolent & Protective Order (of Elks of the USA) BPO Benzoyl Peroxide BPO Business Process Optimization BPO Broker Price Opinions BPO Buffalo Philharmonic Orchestra ) and information technology (IT) solutions to commercial and government clients worldwide. In Higher Education, ACS provides outsourcing (1) Contracting with outside consultants, software houses or service bureaus to perform systems analysis, programming and datacenter operations. Contrast with insourcing. See netsourcing, ASP, SSP and facilities management. solutions to over 1,000 colleges and universities, the largest lenders in the country, and over 8.8 million borrowers with outstanding loans totaling over $100 billion. ACS' core competency A core competency is something that a firm can do well and that meets the following three conditions specified by Hamel and Prahalad (1990):
ACS SOLUTIONS ACS has the economies of scale and focus that no single educational institution can match. By leveraging ACS' core competencies, institutions can improve theirs. * Information Technology * Financial Aid * Enrollment Management * Imaging * Student Call Center * Loan Origination & Servicing ACS BENEFITS * Experts in administration and technology * Help institutions focus on the student * Reduce the cost of improving student service * Eliminate costly technology capital purchases * Access to shared technologies * Access to 'Utility' computing--pay per usage Call Matt Johnner at (214) 584-5242 to learn more about how your institution can improve performance by outsourcing with ACS. Cadogan Management, LLC (Logical Link Control) See "LANs" under data link protocol. LLC - Logical Link Control 414 East 75th Street New York New York, state, United States New York, Middle Atlantic state of the United States. It is bordered by Vermont, Massachusetts, Connecticut, and the Atlantic Ocean (E), New Jersey and Pennsylvania (S), Lakes Erie and Ontario and the Canadian province of , NY 10021 Phone: (212) 585-1600 www.cadoganmanagement.com Cadogan Management, recognized as a premiere alternative investment management firm, has delivered for nine years on the same objective: to preserve our investors' capital and provide superior risk-adjusted returns Risk-Adjusted Return A measure of how much risk a fund or portfolio takes on to earn its returns, usually expressed as a number or a rating. Notes: This is often represented by the Sharpe Ratio. The more return per unit of risk, the better. with no correlation to the U.S. securities markets. Cadogan stands out among our peers by our innovative approach to research and portfolio management, finding "undiscovered gem gem, ornamental mineral or organic substance gem, commonly, a mineral or organic substance, cut and polished and used as an ornament. Gems also are used as seals (items of assurance) and as talismans (good-luck charms). For birthstones, see month. " managers that result in a low correlation to other hedge fund hedge fund, in finance, a highly speculative, largely unregulated investment device. Originating in the 1950s, the funds "hedge" by offsetting "short" positions (borrowing a security and then selling it at a higher price before repaying the lender) against "long" of funds. Important to our success has been a willingness to educate endowments and their consultants on all aspects of hedge fund investing, and to provide our clients with the highest level of transparency (1) The quality of being able to see through a material. The terms transparency and translucency are often used synonymously; however, transparent would technically mean "seeing through clear glass," while translucent would mean "seeing through frosted glass." See alpha blending. and client service. Cadogan continues to be selected by endowments preferring a professionally managed hedge fund allocation The apportionment or designation of an item for a specific purpose or to a particular place. In the law of trusts, the allocation of cash dividends earned by a stock that makes up the principal of a trust for a beneficiary usually means that the dividends will be treated as that emphasizes safety over high-risk/return strategies. Currently, Cadogan manages $1.2 billion for roughly 70 institutions around the world. EDFINANCIAL SERVICES Headquartered in Knoxville, Tennessee, EdFinancial Services provides student loan servicing for 15 of the nation's top 100 lenders. EdFinancial partners with regional and national banks, secondary markets, state agencies and other student loan providers to create innovative, Contact: Billy Houston, senior vice president & chief strategic officer 123 Center Park Drive Knoxville, TN 37922 Phone: (800) 337-6884 or (865) 342-5110 Fax: (865) 218-1013 E-mail: bhouston@edfinancial.com www.edfinancial.com Edfinancial Services is a private, nonprofit corporation nonprofit corporation n. an organization incorporated under state laws and approved by both the state's Secretary of State and its taxing authority as operating for educational, charitable, social, religious, civic or humanitarian purposes. whose mission is to provide student loan servicing Loan servicing is the process by which a mortgage bank or subservicing firm collects the timely payment of interest and principal from borrowers. The level of service varies depending on the type loan and the terms negotiated between the firm and the investor seeking their services. and support to schools, lenders and secondary markets. Edfinancial Services' industry partners include over a dozen of the nation's top 100 lenders. Emphasizing flexibility and cooperation, Edfinancial Services creates customized solutions to enhance its partners' existing products and services. eCampusTours.com is an innovative college-planning website sponsored by Edfinancial Services. KeyBank KeyCorp 127 Public Square Cleveland, OH 44114 Phone: (800) 540-1855 www.key.com/educate MISSION STATEMENT For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $85 billion. PRODUCTS/SERVICES * Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career/Continuing Education loan programs. * Loan consolidation programs-help make repayment easier to manage and free up cash each month. * Monthly Payment Plan-Affordable interest-free payment plans to meet the individual needs of schools and their families. * Key On-Line--Easy access to Monthly Payment Plan information. * Easy application and renewal--Families can easily and quickly apply and renew online. * Repayment incentives--several programs/options that save families money. * Materials Order Form--Order collateral material online. * Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs. * Short-term Medical Insurance--An affordable option for your recent graduates. NEWS Key Education Resources--Helping families make the right choices. Planning for education financing/funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years. Guarantors American Student Assistance [R] (ASA Asa (ā`sə), in the Bible, king of Judah, son and successor of Abijah. He was a good king, zealous in his extirpation of idols. When Baasha of Israel took Ramah (a few miles N of Jerusalem), Asa bought the help of Benhadad of Damascus and ) 100 Cambridge Street, Suite 1600 Boston, MA 02114 Phone: (800) 999-9080 Fax: (617) 521-6154 MISSION STATEMENT ASA assists students and parents to successfully complete a program of education financing and repayment. ABOUT US Incorporated in 1956, ASA was the nation's first student loan guarantee agency and a model for the federal student loan guarantee program. ASA's unique Wellness programs give borrowers the support they need to avoid default. Through education and proactive outreach Outreach is an effort by an organization or group to connect its ideas or practices to the efforts of other organizations, groups, specific audiences or the general public. , ASA seeks to prevent student loan default and keep borrowers fiscally "well." We are currently conducting experiments to find best practices in delivering the right message to borrowers at the right time, resulting in healthy loan repayment. PRODUCTS/SERVICES ASA administers federal Stafford student loans and Parent Loans for Undergraduate Students (PLUS). ASA provides premium default prevention, guarantee, origination and disbursement services to students and the financial aid professionals who help them. Connecticut Connecticut, state, United States Connecticut (kənĕt`ĭkət), southernmost of the New England states of the NE United States. It is bordered by Massachusetts (N), Rhode Island (E), Long Island Sound (S), and New York (W). Student Loan Foundation (CSLF CSLF Carbon Sequestration Leadership Forum (Washington, DC) CSLF Connecticut Student Loan Foundation ) 525 Brook Street Brook Street is one of the principal streets on the Grosvenor Estate in the exclusive central London district of Mayfair. It was developed in the first half of the 18th century and runs from Hanover Square to Grosvenor Square. P0 Box 1009 Rocky Hill Rocky Hill, town (1990 pop. 16,554), Hartford co., central Conn., a suburb of Hartford, on the Connecticut River; settled c.1650, inc. 1843. Chemical coatings and synthetic textiles are made there. Rocky Hill was an important river port from 1700 to 1820. , CT 06067 Phone: (860) 257-4001 Toll Free: (800) 237-9721 www.cslf.com ABOUT US The Connecticut Student Loan Foundation (CSLF) is a non-profit agency that administers, guarantees, finances, and services student loans within the Federal Family Education Loan Program (FFELP) and other alternative student loan programs. By serving as guarantor guarantor n. a person or entity that agrees to be responsible for another's debt or performance under a contract, if the other fails to pay or perform. (See: guarantee) GUARANTOR, contracts. He who makes a guaranty. 2. , lender, secondary market, and servicer, CSLF provides all loan services from application through repayment, for the life of the loan. PRODUCTS/SERVICES * First Rate Loan program: CSLF offers immediate money savings benefits thought its First Rate Loan programs. Stafford, PLUS, and Consolidation borrowers receive special interest rate reductions that are immediate, guaranteed, and only available through CSLE CSLE Combat Support and Logistics Equipment * EnRoute: CSLF's internet-based loan processing and management system provides real-time 1. real-time - Describes an application which requires a program to respond to stimuli within some small upper limit of response time (typically milli- or microseconds). Process control at a chemical plant is the classic example. , online account access to all loan guarantee, disbursal, and servicing information through a single system. * Central Disbursement Services: CSLF provides disbursement services on behalf of lenders. Schools receive disbursement proceeds from a single agency while maintaining their selected lenders. TG--The Guarantor of Choice P.O. Box 83100 Round Rock, TX 78683-3100 Phone: (800) 252-9743 www.tgslc.org As an administrator of the Federal Family Education Loan Program (FFELP), TG works with financial aid partners nationwide to simplify financial aid processing for aid administrators and the students and families they serve. TG provides innovative solutions, insightful resources, and effective default prevention strategies. Within the FFELP, TG checks student loan applications for eligibility, monitors student loan status, pays claims to lenders if necessary, and conducts compliance reviews of schools participating in the program. In addition, TG shares information about college planning with families and students to help ensure educational access and success. Loan Marketers Chase 5100 W. Lemon Street, Suite 150 Tampa, FL 33609 Phone: (800) 228-7605 Fax: (813) 281-3366 www.ChaseStudentLoans.com ABOUT US Chase has been a participant in the federal student loan program since 1967 and with more than $2 billion in annual originations and millions of customers, is one of the Federal Family Education Loan Program's leading lenders. Chase is the retail brand for education loans made by JP Morgan Morgan, American family of financiers and philanthropists. Junius Spencer Morgan, 1813–90, b. West Springfield, Mass., prospered at investment banking. Chase & Co., a leading global financial services firm with assets of approximately $700 billion and operations in more than 50 countries. The firm is a leader in investment banking, asset management, private equity, custody and transaction services, retail and middle market financial services, and e-finance. PRODUCTS/SERVICES Chase offers a broad array of highly differentiated financial products and services to individuals and institutions seeking to attain and foster higher education. In addition to Federal Stafford and PLUS Loans, Chase offers a variety of undergraduate, graduate, continuing education continuing education: see adult education. continuing education or adult education Any form of learning provided for adults. In the U.S. the University of Wisconsin was the first academic institution to offer such programs (1904). and health professions alternative loans that can be used to cover up to the full cost of education. Chase borrowers benefit from flexible repayment options, money-saving repayment benefits for on-time payments, combined billing of loans, and online and toll-free access to account information. Chase's goal is to be a trusted partner to colleges and universities. Representative of this goal was the introduction of value added Value Added The enhancement a company gives its product or service before offering the product to customers. Notes: This can either increase the products price or value. services to the education finance industry. Today, Chase makes a number of value added services available to the institutions we serve, including training, peer reviews, best practices, financial literacy Financial literacy is the ability of individuals to make appropriate decisions in managing their personal finances. Raising levels of financial literacy is now a focus of government programmes in countries including[1] Australia, Japan, the United States and the UK. support, dedicated service representatives, and custom print materials. CITIZENS BANK Not your typical bank. [R] Citizens Bank Education Finance 725 Canton Canton, cities, United States Canton. 1 City (1990 pop. 13,922), Fulton co., W central Ill., in the corn belt; inc. 1849. It is a trade and industrial center for a coal and farm area. 2 Town (1990 pop. 18,530), Norfolk co. Street Norwood, MA 02062 Phone: (800) 708-6684 Fax: (800) 770-8864 www.citizensbank.com/personal/borrowing/pers_ed_fin.asp Collegiate col·le·giate adj. 1. Of, relating to, or held to resemble a college. 2. Of, for, or typical of college students. 3. Of or relating to a collegiate church. Funding Services Inc 1004 Spotsylvania Avenue, Suite 100 Fredericksburg, VA 22406 Phone: (866) 922-9965 www.cfscampusloans.com ABOUT US Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing, and campus-based, scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $15 billion in education loans, and currently manages $10 billion in student loans for more than 400,000 borrowers. PRODUCTS/SERVICES We offer STAFFORD and PLUS loan programs that rewards borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED See certification. and NON CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students and K-12 students. For online entrance and exit counseling Exit counseling, also termed strategic intervention therapy, cult intervention or thought reform consultation is an intervention designed to persuade an individual to leave a group perceived to be a cult. , COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details. Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student load refinance Refinance 1. When a business or person revises their payment schedule for repaying debt. 2. Replacing an older loan with a new loan offering better terms. Notes: When a business refinances they typically extend the maturity date. products offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer our graduates the benefit of combining multiple loans into a single monthly payment and bill, repayment flexibility, and no application fees or charges. Graduates can apply easily over the telephone or online, and there are no fees to pay or prepayment penalties Prepayment penalty A fee a borrower pays a lender when the borrower repays a loan before its scheduled time of maturity. . Our PRIVATE CONSOLIDATION loan program is one of the few consolidation products available to the growing number of graduates with privately insured student loans. Graduates will benefit from refinancing Refinancing An extension and/or increase in amount of existing debt. their multiple privately insured student loans into one refinanced loan with lower monthly payments and one simple billing statement. Graduates can apply easily over the telephone or online, and there are no out-of-pocket expenses out-of-pocket expenses n. moneys paid directly for necessary items by a contractor, trustee, executor, administrator or any person responsible to cover expenses not detailed by agreement. . NEWS Visit www.cfscampusloans.com or call (866) 922-9965 to contact your campus regional director for more details. * Limited time offer. EDAMERICA Contact: Tony Hollin, chairman & CEO (1) (Chief Executive Officer) The highest individual in command of an organization. Typically the president of the company, the CEO reports to the Chairman of the Board. 123 Center Park Drive, Knoxville, TN 37922 Phone: (800) 337-1009 Fax: (865) 218-1013 E-Mail: info@edamerica.net www.edamerica.net One of the nation's top student loan providers, Edamerica is dedicated to expanding access to higher education. Edamerica is committed to enhancing the lives of students and families and exceeding the expectations of schools by offering a variety of specialized spe·cial·ize v. spe·cial·ized, spe·cial·iz·ing, spe·cial·iz·es v.intr. 1. To pursue a special activity, occupation, or field of study. 2. loan products that benefit all borrowers. Edamerica is an Edfinancial Services lender. EDFINANCIAL SERVICES Contact: Billy Houston, senior vice president & chief strategic officer 123 Center Park Drive Knoxville, TN 37922 Phone: (800) 337-6884 or (865) 342-5110 Fax: (865) 218-1013 E-mail: bhouston@edfinancial.com www.edfinancial.com Edfinancial Services is a private, nonprofit corporation whose mission is to provide student loan servicing and support to schools, lenders and secondary markets. Edfinancial Services' industry partners include over a dozen of the nation's top 100 lenders. Emphasizing flexibility and cooperation, Edfinancial Services creates customized solutions to enhance its partners' existing products and services. eCampusTours.com is an innovative college-planning website sponsored by Edfinancial Services. KeyBank KeyCorp 127 Public Square Cleveland, OH 44114 Phone: (800) 540-1855 wwvv.key.com/educate MISSION STATEMENT For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $85 billion. PRODUCTS/SERVICES * Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career/Continuing Education loan programs. * Loan consolidation programs--help make repayment easier to manage and free up cash each month. * Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families. * Key On-Line--Easy access to Monthly Payment Plan information. * Easy application and renewal--Families can easily and quickly apply and renew online. * Repayment incentives--several programs/options that save families money. * Materials Order Form--Order collateral material online. * Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs. * Short-term Medical Insurance--An affordable option for your recent graduates. NEWS Key Education Resources--Helping families make the right choices. Planning for education financing/funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years. Nellie Mae Nellie Mae See Student Loan Marketing Association. 50 Braintree Hill Park Suite 300 Braintree, MA 02184 Phone: (800) EDU-LOAN (800) 338-5626 www.nelliemae.com ABOUT US At Nellie Mae, we want you and your students to be brilliant. We believe cost should never keep students from achieving their higher education goals. That's why we offer a broad range of federal and private loan programs, featuring low interest rates and flexible repayment options. We offer convenient online applications, including pre-qualification for PLUS and private loans, Federal Consolidation Loan applications, and downloadable MPN MPN Master Promissory Note MPN Most Probable Number MPN Medical Provider Network MPN Mobil Producing Nigeria MPN Manufacturer's Part Number MPN Military Personnel, Navy MPN Mobile Private Network MPN Managed Private Network MPN Mode Partition Noise forms for Stafford and PLUS Loans. Our advanced web services (1) Loosely, any online service delivered over the Web. Such usage appears in articles from non-technical sources, but not in IT-oriented publications, because definition #2 below describes the correct use of the term. ensure that loan funds are credited to your students' school accounts reliably and on time. We also offer cash-back rewards for on-time repayment; convenient online loan counseling and debt management; and the industry's brightest customer service. Since 1982, we've helped more than a million students and families pay for college. Today, we continue that tradition and are proud to help you and your students be brilliant with student loans. Our federal lender code is 829076. Student Loan Funding Student Loan Funding Resources, LLC. 2004 University Business Annual Finance Guide Profile One West Fourth Street, Suite 1000 Cincinnati, OH 45201 Toll Free: (877) 477-7537 Fax: (513) 763-4340 www.studentloanfunding.com MISSION STATEMENT Student Loan Funding, a wholly owned subsidiary of Sallie Mae, is a student loan provider with the sole mission of improving access to higher education. Our suite of comprehensive financing options and innovative web tools simplify and streamline the financial aid process for both schools and students, making education more accessible and affordable. We empower empower verb To encourage or provide a person with the means or information to become involved in solving his/her own problems families with interactive resources Interactive Resources is a Richmond, California, United States-based architectural firm headed by president and city councilmember Tom Butt. The company has performed large projects and studies mainly for the government, both local and statewide. that help them make good funding decisions and complete everything they need to receive that funding in one convenient online session. Loan Originators Academic Finance Corporation 456 Grove Street Worcester, MA 01605 Phone: (877) 232-4322 www.academicfinancing.com COMPANY PROFILE Academic Finance Corporation (AFC (1) (Application Foundation Classes) A class library from Microsoft that provides an application framework and graphics, graphical user interface (GUI) and multimedia routines for Java programmers. ) is a not-for-profit Not-for-profit An organization established for charitable, humanitarian, or educational purposes that is exempt from some taxes and in which no one in profits or losses. student lending organization affiliated with Brazes Group. We are committed to working with financial aid professionals to provide you with the best possible student lending solution. AFC has designed programs which makes the student loan experience customer friendly for both the families you work with and for your office. Our staff at AEC AEC US Atomic Energy Commission Noun 1. AEC - a former executive agency (from 1946 to 1974) that was responsible for research into atomic energy and its peacetime uses in the United States Atomic Energy Commission has over 100 years of experience working with financial aid offices, guarantors, and servicers on a national and regional level. Access Group, Inc. 1411 Foulk Road Wilmington, DE 19803-0430 Phone: (800) 282-1550 www.accessgroup.org Access Group is a nonprofit A corporation or an association that conducts business for the benefit of the general public without shareholders and without a profit motive. Nonprofits are also called not-for-profit corporations. Nonprofit corporations are created according to state law. graduate loan specialist that has provided access to education for more than 20 years. It is a single source of federal and private loans for students financing their law, medical, dental, health, business, and other graduate degrees. Access Group provides borrower education, need analysis, and online services to students and their schools, as well as educational and professional development opportunities for financial aid administrators at its annual conference. For more information, visit www.accessgroup.org. ACS Education Services One World Trade Center, Suite 2200 Long Beach, CA 90831-2200 www.acs-inc.com/education ACS is the leading provider of fully diversified, end-to-end, business process outsourcing (BP0) and information technology (IT) solutions to commercial and government clients worldwide. In Higher Education, ACS provides outsourcing solutions to over 1,000 colleges and universities, the largest lenders in the country, and over 8.8 million borrowers with outstanding loans totaling over $100 billion. ACS' core competency is managing business processes and information technology. In Higher Education, this includes managing financial aid, student information systems, student call centers, imaging, enrollment management, and more. By working with ACS, colleges can spend more time and capital on their core focus: student service, faculty, curriculum, access, and research. This better enables institutions to adjust to the changing needs of students. A partnership with ACS can also help institutions generate revenue from non-tuition sources to offset budget cuts. ACS SOLUTIONS ACS has the economies of scale and focus that no single educational institution can match. By leveraging ACS' core competencies, institutions can improve theirs. * Information Technology * Financial Aid * Enrollment Management * Imaging * Student Call Center * Loan Origination & Servicing ACS BENEFITS * Experts in administration and technology * Help institutions focus on the student * Reduce the cost of improving student service * Eliminate costly technology capital purchases * Access to shared technologies * Access to 'Utility' computing--pay per usage Call Matt Johnner at (214) 584-5242 to learn more about how your institution can improve performance by outsourcing with ACS. Financial Chela che·la n. pl. che·lae A pincerlike claw of a crustacean or arachnid, such as a lobster, crab, or scorpion. [New Latin ch Chela Education Financing[TM] 388 Market Street, Suite 1200 San Francisco San Francisco (săn frănsĭs`kō), city (1990 pop. 723,959), coextensive with San Francisco co., W Calif., on the tip of a peninsula between the Pacific Ocean and San Francisco Bay, which are connected by the strait known as the Golden , CA 94111 Phone: (415) 283-2800 Toll Free: (866) 34-CHELA (24352) Fax: (415) 283-2888 www.chelastudentloans.org Chela Education Financing makes education accessible to more students by providing superior education finance products and services. The Chela School-Certified Loan: A competitive, variable rate loan with no pre-set annual loan limits and relaxed credit criteria. Getapproval in minutes by phone or online. A private loan that fills the gap between traditional financing and actual education expenses. The AcademicEdge[R] Loan: A flexible, convenient, credit based consumer education loan that helps meet costs not covered not covered Health care adjective Referring to a procedure, test or other health service to which a policy holder or insurance beneficiary is not entitled under the terms of the policy or payment system–eg, Medicare. Cf Covered. by traditional financial aid. Federal Stafford and PLUS Loans: Offering some of the best interest rate discounts in the nation. Discounts begin immediately upon repayment, unlike most other loan providers. The Golden State Bonus Benefits[TM] program waives or returns the 3% origination fee A charge imposed by a lending institution or a bank for the service of processing a loan. For example, a bank might charge an individual who has applied for a student loan an origination fee of one percent for processing the application and granting the loan. most lenders charge and provides additional savings in the form of rebates to California California (kăl'ĭfôr`nyə), most populous state in the United States, located in the Far West; bordered by Oregon (N), Nevada and, across the Colorado River, Arizona (E), Mexico (S), and the Pacific Ocean (W). students, transfer students and educators. The Chela OnePay Consolidation Loan[TM]: A program to make the repayment of federal student loans simpler and more affordable by combining all of your eligible loans into one new loan with one low payment and one fixed interest rate. Current interest rates are the lowest in history and Chela offers the opportunity to lock-in up to 1.25% off your already record low rate. The Golden State Bonus Benefits can save California residents as much as $2,000 off their consolidation loan balance. For more than 25 years, Chela Education Financing has focused solely on putting education within reach of students and families. As a California not-for-profit education finance company, we are able to put money where it belongs-into the hands of students-through interest rate discounts, loan rebates and scholarship programs. At Chela, we want to help you understand the financial aid process, your options, and what to do to get the money you need to achieve your education goals, without taking on unnecessary debt. Chela Education Financing is comprised of two affiliated companies Affiliated Companies A situation that occurs when one company owns a minority interest (less than 50%) in another company. Also refers to companies that are related to each other in some way. Notes: An affiliated company is sometimes referred to as a subsidiary. (Chela Financial Resources, Inc., and Chela Financial, Inc.), both of which are California not-for-profit public benefit corporations. Collegiate Funding Services Inc 1004 Spotsylvania Avenue, Suite 100 Fredericksburg, VA 22406 Phone: (866) 922-9965 www.cfscampusloans.com ABOUT US Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing, and campus-based, scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $15 billion in education loans, and currently manages $10 billion in student loans for more than 400,000 borrowers. PRODUCTS/SERVICES We offer STAFFORD and PLUS loan programs that rewards borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED and NON CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students and K-12 students. For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details. Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student load refinance products offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer our graduates the benefit of combining multiple loans into a single monthly payment and bill, repayment flexibility, and no application fees or charges. Graduates can apply easily over the telephone or online, and there are no fees to pay or prepayment penalties. Our PRIVATE CONSOLIDATION loan program is one of the few consolidation products available to the growing number of graduates with privately insured student loans. Graduates will benefit from refinancing their multiple privately insured student loans into one refinanced loan with lower monthly payments and one simple billing statement. Graduates can apply easily over the telephone or online, and there are no out-of-pocket expenses. NEWS Visit www.cfscampusloans.com or call (866) 922-9965 to contact your campus regional director for more details. * Limited time offer. Comerica Bank Student Lending--MC 6230 PO Box 659 Detroit, MI 48231-9967 Phone: (800) 345-6232 www.comerica.com/studentloans EDAMERICA Contact: Tony Hollin, chairman & CE0 123 Center Park Drive, Knoxville, TN 37922 Phone: (800) 337-1009 Fax: (865) 218-1013 E-Mail: info@edamerica.net www.edamerica.net One of the nation's top student loan providers, Edamerica is dedicated to expanding access to higher education. Edamerica is committed to enhancing the lives of students and families and exceeding the expectations of schools by offering a variety of specialized loan products that benefit all borrowers. Edamerica is an Edfinancial Services lender. LoanSTAR Systems, Inc. 2504 Kent Street P.O. Box 4940 Bryan, TX 77805 Phone: (800) 347-3475 nelnet Nelnet (National Education Loan Network) 121 South 13th Street, Suite 400 Lincoln, NE 68508 Phone: (877) 564-2696 www.nelnet.net DESCRIPTION Nelnet is a leading, vertically integrated education finance company, focused on providing quality products and services to participants in the education finance process. Nelnet originates, holds, and services student loans, principally loans originated under the Federal Family Education Loan Program, referred to as the FFEL Program or FFELP Nelnet offers a broad range of financial services and technology-based products, including student loan origination and lending, student loan and guarantee servicing and a suite of software solutions. The company's infrastructure, technological expertise and breadth of product and service offerings connect the key constituents of the student loan process, including lenders, financial aid officers, guaranty agencies, governmental agencies, student and parent borrowers, and servicers, thereby streamlining the education finance process. PRODUCTS/SERVICES: Our products include an Internet-based financial aid delivery and management system, an Internet-based loan origination system and a centralized disbursement agent service. Our "open architecture" origination products afford schools the flexibility to work with multiple lenders of their choice. These products are directly integrated into our servicing platform, which provides various features such as loan approval, disbursement of funds, customer service, account maintenance, federal reporting and billing collections, payment processing, default aversion, claim filing and uninsured loan recovery. Our software products include: * Nteract: our Internet-based student loan origination system. * Ntrust: our centralized disbursement agent service. * Ngenius: our origination and disbursement engine that supports Nconcert, Ntrust and Nteract. * Nservice: our servicing system for FFELP and private loans. NEWS Visit www.nelnet.net for the latest news and information regarding Nelnet's product, service, and technology offerings. NextStudent 11225 North 28th Drive Suite A-202 Phoenix, AZ 85029 Joe Kunkel (602) 264-1030 www.nextstudent.com NextStudent helps financial aid administrators meet the needs of students with a comprehensive portfolio of federal and private loans for undergraduate and graduate students, federal and private loan consolidation and money-saving borrower benefits that make repayment easier. NextStudent also offers an award-winning scholarship search engine and online resources that help students understand financial aid and make well-informed choices. NextStudent provides live support from a dedicated team of School Service experts, and tailors back-office processes to meet school specifications. And, long-standing relationships with over two dozen guarantee agencies helps optimize optimize - optimisation electronic processes and ensure uninterrupted service from start to finish. NOWLoan$ 800 W. Jefferson Kirksville, MO 63501 Phone: (888) 389-9622 Fax: (660) 626-2005 www.nowloans.org NOWLoan$ is a proven lender with a great loan product paired with outstanding personal customer service. Our core focus is that of education. We seek to help our students navigate (1) "Surfing the Web." To move from page to page on the Web. (2) To move through the menu structure in a software application. successfully through the opportunities and challenges they face as they look to finance their education. NOWLoan$ continuously reinvests in the students and their organizations. PRODUCTS/SERVICES NOWLoan$ provides Stafford loans A Stafford Loan is a student loan offered to eligible students enrolled in American institutions of higher education to help finance their education. The terms of the loans are described in Title IV of the Higher Education Act of 1965 (with subsequent amendments), which guarantees with no origination fees to students in accredited accredited recognition by an appropriate authority that the performance of a particular institution has satisfied a prestated set of criteria. accredited herds cattle herds which have achieved a low level of reactors to, e.g. programs nationwide. Eligible students receive 3.3% cash back on repayment of Stafford loans. See our website for details. We also offer the Signature Student[R] Loan, a private alternative loan. PNC PNC Purdue University North Central (Westville, Indiana) PnC Point 'n Click PNC Police National Computer PNC People's National Congress (Guyana) PNC People's National Congress Bank Education Loan Center 2600 Liberty Avenue Pittsburgh, PA 15222 Phone: (800) 762-1001 www.eduloans.pncbank.com MISSION STATEMENT Since 1965, PNC Bank has made the education loan process as easy as possible by providing a comprehensive selection of loans so that a family can find all the higher education financing they need at one convenient place. PRODUCTS/SERVICES The PNC Bank Education Loan Center offers a wide array of both federal and private loans to help finance your higher education. We have an entire staff dedicated to answering questions about the loan process. We also offer savings to students with our National Discount Loan, Keystone key·stone n. 1. Architecture The central wedge-shaped stone of an arch that locks its parts together. Also called headstone. 2. The central supporting element of a whole. BESTsm and aes BESTsm loan programs. Loan choices include: Federal Stafford Loan (Subsidized sub·si·dize tr.v. sub·si·dized, sub·si·diz·ing, sub·si·diz·es 1. To assist or support with a subsidy. 2. To secure the assistance of by granting a subsidy. and Unsubsidized). Federal Parent Loan for Undergraduate Students (PLUS Loan), Federal Consolidation Loan, and the PNC Bank Resource Loan. PNC Bank's Manageable PLUS Program allows a parent to delay payments for up to four academic years. Keystone and aes BESTsm programs feature no up front fees and repayment incentives. For more information visit our web site or call (800) 762-1001. NEWS PNC Bank is a proud sponsor of the Big 33 Academic Scholarship for deserving de·serv·ing adj. Worthy, as of reward, praise, or aid. n. Merit; worthiness. de·serv  ing·ly adv. high school seniors in Ohio or Pennsylvania Pennsylvania (pĕnsəlvā`nyə), one of the Middle Atlantic states of the United States. It is bordered by New Jersey, across the Delaware River (E), Delaware (SE), Maryland (S), West Virginia (SW), Ohio (W), and Lake Erie and New York . Sallie Mae 12061 Bluemont Way Reston, VA 20190 Phone: (703) 810-3000 www.salliemae.com SLM Corporation SLM Corporation, foremost provider of funding for higher education to American students; commonly known as Sallie Mae. The company, which also offers information and resources to assist students and others in obtaining funding, had a portfolio of some $127 billion in , commonly known as Sallie Mae, is the nation's leading provider of education funding, managing nearly $95 billion in student loans for more than 7 million borrowers. The company offers federally guaranteed student loans and private and consolidation loans through its family of brands, including Student Loan Funding, Academic Management Services, Nellie Mae and the Sallie Mae Education Trust. It also works in partnership with leading financial institutions throughout the country. Sallie Mae's comprehensive product offerings and skilled education funding professionals enable it to deliver the highest quality loan origination and servicing mechanisms for school customers and student borrowers. Wells Fargo Wells Fargo armored carriers of bullion. [Am. Hist.: Brewer Dictionary, 1147] See : Protectiveness Wells Fargo company that handled express service to western states; often robbed. [Am. Hist. Education Financial Services 301 East 58th Street North Sioux Falls Sioux Falls, city (1990 pop. 100,814), seat of Minnehaha co., SE S.Dak., on the Big Sioux River; settled 1856, inc. as a village 1877, as a city 1883. Settlers abandoned the site in 1862 because of Native American raids, but with the establishment (1865) of Fort , SD 57104 Phone: (800) 658-3567 EDFINANCIAL SERVICES Contact: Billy Houston, senior vice president & chief strategic officer 123 Center Park Drive Knoxville, TN 37922 Phone: (800) 337-6884 or (865) 342-5110 Fax: (865) 218-1013 E-mail: bhouston@edfinancial.com www.edfinancial.com Edfinancial Services is a private, nonprofit corporation whose mission is to provide student loan servicing and support to schools, lenders and secondary markets. Edfinancial Services' industry partners include over a dozen of the nation's top 100 lenders. Emphasizing flexibility and cooperation, Edfinancial Services creates customized solutions to enhance its partners' existing products and services. eCampusTours.com is an innovative college-planning website sponsored by Edfinancial Services. Secondary Markets EDSOUTH Contact: Ron Gambill, president 123 Center Park Drive, Knoxville, TN 37922 Phone: (615) 771-8505 Fax: (615) 771-8276 E-Mail: rgambill@edsouth.org www.edsouth.org Established in 1988, Edsouth is the largest secondary market in the Southeast. A private, nonprofit corporation, Edsouth works with lenders, guarantors and state agencies nationwide to expand access to higher education through low-cost student loans. MOHELA MOHELA Missouri Higher Education Loan Authority 633 Spirit Drive Chesterfield Chesterfield, city (1991 pop. 73,352) and district, Derbyshire, central England. An important industrial center, Chesterfield produces mining equipment, railroad cars, metal products, glass, and pottery. , MO 63005-1243 Phone: (800) 666-4352 TDD (Time Division Duplexing) A transmission method that uses only one channel for transmitting and receiving, separating them by different time slots. No guard band is used. Contrast with FDD. See also TDD/TTY. TDD - Telecommunications Device for the Deaf : (636) 532-5189 www.mohela.com Nelnet (National Education Loan Network) 121 South 13th Street, Suite 400 Lincoln, NE 68508 Phone: (877) 564.2696 www.nelnet.net DESCRIPTION Nelnet is a leading, vertically integrated education finance company, focused on providing quality products and services to participants in the education finance process. Nelnet originates, holds, and services student loans, principally loans originated under the Federal Family Education Loan Program, referred to as the FFEL Program or FFELP. Nelnet offers a broad range of financial services and technology-based products, including student loan origination and lending, student loan and guarantee servicing and a suite of software solutions. The company's infrastructure, technological expertise and breadth of product and service offerings connect the key constituents of the student loan process, including lenders, financial aid officers, guaranty agencies, governmental agencies, student and parent borrowers, and servicers, thereby streamlining the education finance process. PRODUCTS/SERVICES Our products include an Internet-based financial aid delivery and management system, an Internet-based loan origination system and a centralized disbursement agent service. Our "open architecture" origination products afford schools the flexibility to work with multiple lenders of their choice. These products are directly integrated into our servicing platform, which provides various features such as loan approval, disbursement of funds, customer service, account maintenance, federal reporting and billing collections, payment processing, default aversion, claim filing and uninsured loan recovery. Our software products include: * Nteract: our Internet-based student loan origination system. * Ntrust: our centralized disbursement agent service. * Ngenius: our origination and disbursement engine that supports Nconcert, Ntrust and Nteract. * Nservice: our servicing system for FFELP and private loans. NEWS Visit www.nelnet.net for the latest news and information regarding Nelnet's product, service, and technology offerings. Student Loan Finance Corporation 105 1st Ave AVE Avenue AVE Average AVE Alta Velocidad Espanola (train between Madrid and Seville) AVE Alta Velocidad Española (Spanish: High Speed Train) AVE Audio Video Entertainment AVE Advertising Value Equivalent SW Aberdeen, SD 57401 Phone: (800) 592-1270 www.slfc.com Software & Systems ACS Education Services One World Trade Center, Suite 2200 Long Beach, CA 90831-2200 www.acs-inc.com/education ACS is the leading provider of fully diversified, end-to-end, business process outsourcing (BPO) and information technology (IT) solutions to commercial and government clients worldwide. In Higher Education, ACS provides outsourcing solutions to over 1,000 colleges and universities, the largest lenders in the country, and over 8.8 million borrowers with outstanding loans totaling over $100 billion. ACS' core competency is managing business processes and information technology. In Higher Education, this includes managing financial aid, student information systems, student call centers, imaging, enrollment management, and more. By working with ACS, colleges can spend more time and capital on their core focus: student service, faculty, curriculum, access, and research. This better enables institutions to adjust to the changing needs of students. A partnership with ACS can also help institutions generate revenue from non-tuition sources to offset budget cuts. ACS SOLUTIONS ACS has the economies of scale and focus that no single educational institution can match. By leveraging ACS' core competencies, institutions can improve theirs. * Information Technology * Financial Aid * Enrollment Management * Imaging * Student Call Center * Loan Origination & Servicing ACS BENEFITS * Experts in administration and technology * Help institutions focus on the student * Reduce the cost of improving student service * Eliminate costly technology capital purchases * Access to shared technologies * Access to 'Utility' computing--pay per usage Call Matt Johnner at (214) 584-5242 to learn more about how your institution can improve performance by outsourcing with ACS. Datatel, Inc. 4375 Fair Lakes Court Fairfax, VA 22033 Phone: (800) DATATEL Deco Development Corporation 820 N. Niles Avenue, Suite B South Bend South Bend, city (1990 pop. 105,511), seat of St. Joseph co., N Ind., on the great south bend of the St. Joseph River, in a farming and mint-growing region; inc. as a city 1865. , IN 46617-1954 Phone: (574) 246-9232 Foresite Solutions (ProjectionX) 353 West Lancaster Ave., Suite 130 Wayne, PA 19087 Phone: (610) 984-1500 Great Lakes Great Lakes, group of five freshwater lakes, central North America, creating a natural border between the United States and Canada and forming the largest body of freshwater in the world, with a combined surface area of c.95,000 sq mi (246,050 sq km). Educational Loan Services, Inc. 2401 International Lane Madison, WI 53704 Phone: (866) 464-7855 www.mygreatlakes.com Nelnet (National Education Loan Network) 121 South 13th Street, Suite 400 Lincoln, NE 58508 Phone: (877) 564-2696 www.nelnet.net DESCRIPTION Nelnet is a leading, vertically integrated education finance company, focused on providing quality products and services to participants in the education finance process. Nelnet originates, holds, and services student loans, principally loans originated under the Federal Family Education Loan Program, referred to as the FFEL Program or FFELP. Nelnet offers a broad range of financial services and technology-based products, including student loan origination and lending, student loan and guarantee servicing and a suite of software solutions. The company's infrastructure, technological expertise and breadth of product and service offerings connect the key constituents of the student loan process, including lenders, financial aid officers, guaranty agencies, governmental agencies, student and parent borrowers, and servicers, thereby streamlining the education finance process. PRODUCTS/SERVICES Our products include an Internet-based financial aid delivery and management system, an Internet-based loan origination system and a centralized disbursement agent service. Our "open architecture" origination products afford schools the flexibility to work with multiple lenders of their choice. These products are directly integrated into our servicing platform, which provides various features such as loan approval, disbursement of funds, customer service, account maintenance, federal reporting and billing collections, payment processing, default aversion, claim filing and uninsured loan recovery. Our software products include: * Nteract: our Internet-based student loan origination system. * Ntrust: our centralized disbursement agent service. * Ngenius: our origination and disbursement engine that supports Nconcert, Ntrust and Nteract. * Nservice: our servicing system for FFELP and private loans. NEWS Visit www.nelnet.net for the latest news and information regarding Nelnet's product, service, and technology offerings. Optical Image Technology, Inc. 100 Oakwood Avenue, Suite 700 State College, PA 16803 Phone: (814) 238-0038 SAS Institute SAS Institute Inc., headquartered in Cary, North Carolina, USA, has been a major producer of software since it was founded in 1976 by Anthony Barr, James Goodnight, John Sall and Jane Helwig. Inc. 100 SAS (1) (SAS Institute Inc., Cary, NC, www.sas.com) A software company that specializes in data warehousing and decision support software based on the SAS System. Founded in 1976, SAS is one of the world's largest privately held software companies. See SAS System. Campus Drive Cary, NC 27513-2414 Phone: (800) 727-0025 SUNGARD ASSET MANAGEMENT SYSTEMS SunGard Philanthropic phil·an·throp·ic also phil·an·throp·i·cal adj. 1. Of, relating to, or marked by philanthropy; humanitarian. 2. Organized to provide humanitarian or charitable assistance: and Family Office Solutions 104 Inverness Inverness, town, Scotland Inverness (ĭn'vərnĕs`), town (1991 pop. 39,736), Highland, N Scotland, on the Moray Firth at the mouth of the Ness River. Center Place Suite 325 Birmingham, AL 35242 Phone: (888) 441-9935 SunGard Philanthropic and Family Office Solutions provides an integrated suite of products that includes general ledger General Ledger A company's accounting records. This formal ledger contains all the financial accounts and statements of a business. Notes: The ledger uses two columns: one records debits, the other has offsetting credits. and investment portfolio accounting. This solution is designed specifically to meet the complex structures and wide asset ranges for foundations, as well as manage planned giving Planned Giving is an area of fundraising that refers to several specific gift types that can be funded with cash or property. These gift vehicles are based on United States tax law. trusts and permanent endowments. These solutions help solve the problem of labor-intensive spreadsheets The following is a list of spreadsheets. Freeware/open source software Online spreadsheets
v. au·to·mat·ed, au·to·mat·ing, au·to·mates v.tr. 1. To convert to automatic operation: automate a factory. 2. and inte grated grate 1 v. grat·ed, grat·ing, grates v.tr. 1. To reduce to fragments, shreds, or powder by rubbing against an abrasive surface. 2. solutions. The result is a holistic Holistic A practice of medicine that focuses on the whole patient, and addresses the social, emotional, and spiritual needs of a patient as well as their physical treatment. Mentioned in: Aromatherapy, Stress Reduction, Traditional Chinese Medicine view of asset management for you and your donors. For a software demonstration or more information, contact us at moreinfo@sungard.com or visit us at www.asset.sungard.com TouchNet Information Systems, Inc. 15520 College Blvd. Lenexa, KS 66219 Phone: (913) 599-6699 www.touchnet.com WolffPack, Inc., Financial Aid Software 3237 Fingar Road Bluff Point, NY 14478 Phone: (888) WOLFFPACK Tuition Payment Plans Collegiate Funding Services Inc 1004 Spotsylvania Avenue, Suite 100 Fredericksburg, VA 22406 Phone: (866) 922-9965 www.cfscampusloans.com ABOUT US Collegiate Funding Services is a leading education finance company dedicated to providing students and their families with the practical advice and loan solutions they need to help pay for and manage the cost of higher education. Collegiate Funding Services also offers a comprehensive portfolio of education loan products and services--including loan origination, loan servicing, and campus-based, scholarship and affinity marketing tools--to the higher education community. Since 1998, Collegiate Funding Services has facilitated the origination of over $15 billion in education loans, and currently manages $10 billion in student loans for more than 400,000 borrowers. PRODUCTS/SERVICES We offer STAFFORD and PLUS loan programs that rewards borrowers for automatic withdrawals and consecutive on-time payments. Our PLUS loan programs also offer parents the option to delay payments for up to 48 months while their son or daughter is attending school. CERTIFIED and NON CERTIFIED PRIVATE EDUCATION loan programs are available to finance up to 100% of a student's higher education. Our beneficial programs are for undergraduates, graduate students, continuing education students and K-12 students. For online entrance and exit counseling, COLLEGEXIT is an easy way for students to complete required counseling sessions and for campus professionals it cuts down on the paperwork and increases counseling completion rates. Registered students are also entered to win monthly $1,000 scholarship drawings. Visit www.collegexit.com or ask for details. Our FEDERAL CONSOLIDATION loan program is one of the nation's leading student load refinance products offering graduates the ability to lock in the lowest rates in the history of the student loan program. Graduates may also qualify for additional money-saving interest rate discounts of up to 1.25% *. We offer our graduates the benefit of combining multiple loans into a single monthly payment and bill, repayment flexibility, and no application fees or charges. Graduates can apply easily over the telephone or online, and there are no fees to pay or prepayment penalties. Our PRIVATE CONSOLIDATION loan program is one of the few consolidation products available to the growing number of graduates with privately insured student loans. Graduates will benefit from refinancing their multiple privately insured student loans into one refinanced loan with lower monthly payments and one simple billing statement. Graduates can apply easily over the telephone or online, and there are no out-of-pocket expenses. NEWS Visit www.cfscampusloans.com or call (866) 922-9965 to contact your campus regional director for more details. * Limited time offer. FACTS Tuition Management Dr. Randall Bretz 100 N. 56th Street Lincoln, NE 68504 Phone: (800) 624-7092 www.factsmgt.com FACTS Management Company provides online solutions to tuition payment collection challenges. Our solutions give you customized plans to meet both student and institution needs, online payment processing featuring e-Cashier[TM] and multiple payment choices through, bank accounts, credit cards and invoices. We co-source with your institution to provide the greatest flexibility for students and families while maintaining financial and information control for your institution. Our totally automated approach to tuition management has become the preferred choice for educational institutions across the country. Our online payment solution, e-Cashier, is among the most widely used and accepted systems in higher education. KeyBank KeyCorp 127 Public Square Cleveland, OH 44114 Phone: (800) 540-1855 www.key.com/educate MISSION STATEMENT For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier: KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $85 billion. PRODUCTS/SERVICES * Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career/ Continuing Education loan programs. * Loan consolidation programs--help make repayment easier to manage and free up cash each month. * Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families. * Key On-Line--Easy access to Monthly Payment Plan information. * Easy application and renewal--Families can easily and quickly apply and renew online. * Repayment incentives--several programs/options that save families money. * Materials Order Form--Order collateral material online. * Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs. * Short-term Medical Insurance--An affordable option for your recent graduates. NEWS Key Education Resources--Helping families make the right choices. Planning for education financing/funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years. Sallie Mae Business Office Suite 12061 Bluemont Way Reston, VA 20190 Phone: (703) 810-3000 www.salliemae.com Sallie Mae, the leading provider of education funding, offers colleges and universities flexible and cost-effective cost-effective, n the minimal expenditure of dollars, time, and other elements necessary to achieve the health care result deemed necessary and appropriate. tuition payment solutions. Our Business Office Suite product allows financial aid administrators to present students with detailed bills online and implement electronic and phone-based services that simplify resolution of student accounts. Business Office Suite, which brings together the best of Net.Pay products and services and the AMS AMS - Andrew Message System Tuition Payment Plan under one umbrella, gives campus administrators and business officers the ability to post multiple bills, and enables students and parents to make a payment via ACH or credit card. Tuition Management Systems 127 John Clarke John Clarke may be:
Newport, RI 02842-5636 Phone: (800) 722-4867 Ext. 145 TouchNet Information Systems, Inc. 15520 College Blvd. Lenexa, KS 66219 Phone: (913) 599-6699 www.touchnet.com This Guide was prepared by University Business Marketing Group based on information provided by each company. The guide will be updated regularly and can be downloaded in PDF (Portable Document Format) The de facto standard for document publishing from Adobe. On the Web, there are countless brochures, data sheets, white papers and technical manuals in the PDF format. format at www.universitybusiness.com/FinanceGuide04. For more information, contact Maureen Mollahan at mmollahan@universitybusiness.com |
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