investors-introPlace your purchased loan portfolio in expert hands. Loan Science offers investor solutions that are customized and comprehensive – we’ve managed more than $1 billion in student loans with proven methods that deliver impressive returns.

Find out more about the Loan Science tools and solutions investors need most to deliver optimal portfolio returns.


Loan Science delivers proven strategies for the administration, servicing and risk management of your purchased loan portfolio.

Business Intelligence

Business Intelligence

Loan Science integrates a powerful data warehouse, reporting tools, and proven best practices to maximize the business intelligence you can derive from your portfolio loan data:

  • Gain a suite of portfolio loan delinquency and status metrics tailored to your loan program
  • Achieve fluid vintage, time series, backward/forward status movement, and segmentation reporting
  • Use our online reporting tool to receive up-to-the-minute standard and ad hoc performance reports
  • Your data is fully hosted in your own partitioned section of our data warehouse that utilizes best practices and fully certified data security
Predictive Analytics

Predictive Analytics

Our proven approach to predictive analytics is designed to optimize the performance of your loan portfolio and increase its profitability, as we have with so many others:

  • Loan Science has perfected methods grounded in risk management, actionable data management, and all the fundamentals of consumer credit
  • Comprehensive loan performance forecasts for pre-purchase loan portfolios to help ensure you present a purchase proposal that best represents the fair value of the assets
  • Predictive analytics are embedded in our portfolio management and collections activities
  • Analyze every facet of each portfolio to help you arrive at a purchase proposal that’s respective of the true and total value of the asset
  • Analysts can provide periodic default and cash flow forecasting to help you monitor your investment


We’ll perform all pre-charge off collections activity for your portfolio of borrowers in our in-house call center, integrating our reporting and analytics capabilities to deliver optimal results:

  • Best-in-class data management and predictive analytics-based collections strategies to drive the highest ROI on your portfolio
  • Predictive analytics make it possible to deliver targeted campiagns and work-out offers to borrowers to maximize the impact of your budget
  • Early intervention programs are deployed where they can make an impact on reducing defaults
  • Tailored combination of communication channels and messaging for each borrower delivers optimal ROI
  • Sophisticated data-driven skip tracing strategies
  • State-of-the-art call center platform drives efficiency

Want to boost the power of your Loan Portfolio? Loan Science delivers with tools and solutions investors need.



Contingency-based collections agencies are inherently designed to collect on charged-off balances – a liquidation approach. Our approach is to create performing assets that will deliver cash flow by working with each borrower to entice them to make regular monthly payments. Our active portfolio management approach is proven to increase long-term cash flow and lower loss rates compared to a contingency approach.

We don’t replace the basic servicing functions of mailing statements, lock box processing, loan accounting, and standard customer service. We can handle everything else – including all communication with delinquent borrowers beginning at day one of delinquency. We’ve discovered this approach works best because it puts the key activities in the hands of our collections experts and it avoids the borrower confusion that comes with changing billing and payment instructions.

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 »

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