HESC debt management and default prevention programs have helped tens of thousands of students. Because of our innovative solutions, we averted billions of dollars in potential defaults, helping borrowers, schools, lenders and taxpayers. And, according to U.S. Department of Education figures, HESC’s cohort default rate remains significantly below the national rate.

We offer a wide spectrum of valuable services to help you keep students in repayment, lowering school default rates with practical strategies and proven methods. HESC’s default prevention and debt management services include:
        • Financial management skills training for students through our Financial Literacy Program
        • Default reduction through HESC's Default Manager
        • One-on-one cohort default rate reduction assistance for your school through our Advocate Unit
        • Dollars to support default reduction programs through our Default Prevention Grant