Right Track focuses on educating your students while they’re in school with these helpful services:

HESC.org

HESC’s Web site includes a wide range of tools designed to help your students improve their financial literacy and repay their loans. We also link to Mapping Your Future, an innovative online counseling service which helps borrowers meet entrance and exit counseling requirements from the convenience of their computers and enables them to understand their rights and responsibilities as borrowers.

Entrance Counseling

With our comprehensive entrance package, you can deliver important messages to your students while ensuring regulatory compliance. Our informative brochure, Student Guide to Smart Borrowing and Your Financial Future, guides students through all aspects of their loan obligations, including eligibility requirements, interest rates and their rights and responsibilities as borrowers. We also offer an envelope in which your students can store all their loan records and correspondence, and a FFEL borrower signature/information form.

Financial Literacy

Your students need a financial education so they can make informed decisions and use credit wisely. That’s why HESC created the Financial Awareness and Consumer Training for Students (FACTS) program. FACTS will help you with your efforts to increase student awareness of the dangers of accumulating too much debt and the benefits of saving more of the money they do have. It may even help you reduce your default rate.

FACTS is presented as modules, each targeted toward a different age level or concentration. The presentations are rich in content yet easy to understand, covering practical topics such as managing credit cards, credit vs. debit cards, developing spending plans, personal financial management skills, and preventing identity theft.

Exit Counseling

Our exit brochure, Paying Your Loan is Serious Business, reinforces your students’ loan obligations and provides information about budgeting their money and repaying their loans. The exit counseling package also includes our customizable letter template in which your school can insert its average indebtedness information as required, and the FFEL borrower signature/information form, which asks for updated student contact information.