Privacy

Last Updated / Effective: January 21, 2026

This Privacy Policy explains the policies of Loan Science, LLC and Student Connections, LLC (altogether, “Loan Science,” “Student Connections,” the “Companies,” “us,” “We,” “we,” “Our,” or “our”), regarding any personally identifying information you might supply to us.

Quick Summary

What we collect: Name, contact information, account details, device/usage data for loan servicing and account management.

How we use it: To deliver products/services, process transactions, comply with law, and improve our website.

Your rights: Access, correct, or delete your personal information. See Section 6 for details.

Contact us: See Contact Information section for email, phone, and mailing address.

Data location: We store information in U.S. data centers and comply with U.S. law.

Contact Information

Loan Science, LLC and Student Connections, LLC
3520 Executive Center Drive, Suite 150
Austin, TX 78731
United States

Telephone: 512-501-2400
General Inquiries & Support: loansupport@loanscience.com
Privacy Questions & Complaints: contact@loanscience.com
Director of Corporate Compliance: compliance@loanscience.com

Full Privacy Policy

1. Our Commitment to Privacy

We respect your privacy and are committed to protecting your personal information. We use the same protections for information you share with us online as we do for information you provide in other ways.

How We Use Cookies: Our website uses cookies to recognize you on return visits and enhance your experience. Cookies are not used to collect sensitive personal information, and you can control your cookie settings in your browser.

Do Not Track: We do not respond to “do not track” browser signals at this time.

What We Do Not Collect: This site is intended for adults 18 years and older. We do not intentionally collect information from children under 13, and any accounts or services created with false age information violate our terms of service. We do not collect Social Security numbers, financial account numbers, or other highly sensitive identifiers through our website forms. We do not sell your personal information.

2. Scope

This Privacy Policy applies to personally identifiable information that Loan Science collects from customers and other individuals in connection with our products and services. Loan Science provides products and services to businesses and consumers.

This Policy does not cover data from which individual persons cannot be identified, or situations in which pseudonyms are used (replacement of names or other identifiers with substitutes so that identification is not possible).

3. What Information We Collect

Loan Science collects personal information for the following purposes:

Information You Provide Directly:

  • Contact Information: Name, address, email address, telephone number (land-line or cellular)
  • Account Information: Username, password, account numbers, transaction history, loan details
  • Communication Data: Information from surveys, support requests, or other communications you initiate

Information Collected Automatically:

  • Device Information: Browser type, device type, IP address, operating system, unique device identifier, software version, domain name from which you accessed our site
  • Usage Data: Date and time of site visits, pages visited, time spent on page, click-stream data, referring site URL
  • Cookies and Analytics: Google Analytics and similar tools that help us understand site usage

Information from Third Parties:

  • In complaint resolution or arbitration proceedings, we may receive your name, date of birth, account number, account history, or communications related to your complaint

4. How We Use Your Information

Loan Science uses personal information you provide for the following business purposes:

  • Service Delivery: Maintaining and supporting our products, delivering requested products/services, managing transactions, invoicing, and renewals
  • Account Management: Verifying your identity, processing requests, managing your online accounts, and sending information you request
  • Legal and Compliance: Satisfying governmental reporting, tax, and legal requirements; responding to lawful legal requests and court orders
  • Improvement: Analyzing how our website is used to improve its functionality, diagnose problems, and enhance user experience
  • SMS Communications: If you provide a mobile number and consent to receive text messages, we may send SMS messages about your account, loan servicing, and important service updates. Standard message and data rates may apply.
  • Other Business Purposes: Other uses permitted or required by law

We do not use personal information for purposes materially different from those described above. If we intend to use information for a materially different purpose, we will notify you and provide an opt-out choice.

5. Data Retention

We retain personal information only as long as needed for legal, regulatory, and business purposes, and then delete or de-identify that information. We determine appropriate retention periods based on factors such as the type of information, the nature of our relationship with you, our legal and regulatory obligations, the need to resolve disputes or enforce our agreements, and applicable record-keeping requirements.

6. Your Choices and Rights

Access Your Information. You have the right to know what personal information we hold about you and to ensure it is accurate and relevant. You may:

  • Log into your account and review or edit your personal information
  • Contact us to request a copy of your personal data in a common electronic format

Correct or Delete Your Information. You have the right to:

  • Correct inaccurate or incomplete personal information
  • Delete personal information, subject to our legal and contractual obligations to retain certain data (for example, loan servicing records must be kept as required by federal law)
  • Request that we restrict how we use your information

Opt Out of Certain Uses. You may:

  • Opt out of non-essential marketing communications by following the unsubscribe link in emails
  • Opt out of SMS messages by replying STOP to any message or by contacting us using the information in the Contact Information section. We will process your opt-out request within 24 hours.
  • Request limitations on data sharing with third parties (note: some sharing with service providers is necessary for account servicing)
  • Disable Google Analytics tracking using the browser add-on: https://tools.google.com/dlpage/gaoptout

Response Timeframe. We will respond to requests for access, correction, or deletion within 30 days. If your request is complex or requires verification, we may need up to 60 days. We will notify you of any delays.

Contact us with requests: Use the contact information in the Contact Information section above.

7. Sharing Your Information

We Do Not Sell Your Information. The Companies do not sell customer lists or individual customer information.

Service Providers. We may share personal information with service providers (vendors, contractors, agents) who process data on our behalf and under our direction. These service providers are contractually required to protect your information and use it only as necessary to provide services.

Lenders, Schools, and Government Agencies. We may share personal information about you with:

  • Your lender, school, or employer, as needed for loan or account servicing and as permitted by law
  • The U.S. Department of Education and state/federal government agencies, as permitted by law
  • Appropriate governmental or regulatory authorities when required by law

Legal Compliance and Safety. We may disclose personal information:

  • In response to lawful legal requests (subpoena, investigative demand, court order, regulation)
  • To appropriate governmental authorities to meet national security or law enforcement requirements
  • Where we reasonably believe disclosure is necessary to prevent harm to individuals

Before Sharing for New Purposes. If we need to share your information for a purpose other than those described above, we will notify you and provide an opt-out choice.

8. Security and Data Protection

Our Safeguards. Personal information you provide is stored on secure servers located in U.S. data centers with restricted access. We have implemented the following protective measures:

  • Access Controls: Only authorized employees, contractors, and service providers who need access to perform their duties can access personal information
  • Encryption: Secure encryption technology protects sensitive categories of personal information, particularly during transmission
  • Network Security: Electronically stored data is maintained on a secure network with firewall protection; access requires user authentication via password or similar means
  • System Resilience: We have implemented safeguards to ensure the confidentiality, integrity, availability, and resilience of systems processing personal information, with plans to restore access in a timely manner in case of incident

Limitations. No security safeguards guarantee 100% security all of the time. We encourage you to use strong passwords and to protect your login credentials.

Security Program. Loan Science’s Legal Department oversees an information security program that regularly tests, monitors, and upgrades our safeguards. All personnel receive training on handling personal information appropriately.

Incident Response. In the event of a security incident affecting your personal information, we will investigate the incident and notify affected individuals and relevant regulators as required by law.

9. Cookies and Analytics

Cookies. We use cookies to enhance your experience and recognize you on return visits. We do not use cookies to collect sensitive information.

Google Analytics. We use Google Analytics to understand how visitors use our website, including pages visited, time spent, and user journey. This information helps us improve site functionality and user experience. You can:

Usage Data Association. With your consent and if you have a business relationship with us, we may associate usage data (such as email opens or links clicked) with your known personal information. However, personal information about consumers (such as complaint information) is never associated with usage data, even if you opt in to cookies.

10. Data Storage and Legal Compliance

Personal information you provide is stored on servers located in data centers in the United States. The collection, use, retention, and processing of your information are governed by U.S. law and the specific jurisdictions within the United States where information is stored. We may be required to disclose personal information in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

11. Links to Non-Affiliated Sites

Our website may permit you to access non-affiliated sites to provide you with value-added information or services. If you provide personal information via those sites, it may be shared with third-party entities. Please note:

  • This Privacy Policy applies only to sites owned by the Companies
  • If you link to a non-affiliated site, that party’s privacy policy and terms and conditions will apply
  • We encourage you to review each third party’s privacy policy before sharing personal information

12. Changes to This Privacy Policy

We recognize our ongoing responsibility regarding the privacy of individuals whose personal data we collect and process. We may update this Privacy Policy to reflect new data privacy practices or policy changes. We will notify affected individuals of any material changes and allow them to choose whether their information may be used in materially different ways. Changes will be reflected in the updated version displayed on this site.

13. Legal and Regulatory Oversight

The Companies are subject to the investigatory and enforcement powers of:

  • Consumer Financial Protection Bureau
  • Federal Trade Commission
  • Federal Communications Commission
  • The Federal Reserve
  • Securities and Exchange Commission
  • Federal Deposit Insurance Corporation
  • State Secretaries of State and state licensing agencies

14. Policy Administration and Oversight

Internal Governance. Loan Science’s Legal Department oversees our information security program and compliance with this Privacy Policy and applicable data protection laws. The Legal Department reviews and approves any material changes to our privacy practices.

Periodic Review. Loan Science periodically reviews this Policy and our publicly posted website privacy policy to ensure they accurately describe our data practices and comply with applicable laws. We prepare an internal verification statement on a periodic basis to assess ongoing compliance.

Employee Training. Loan Science personnel receive training on how to appropriately handle and protect personal information consistent with this Policy.

15. Accessing and Managing Your Personal Data

Right to Access. You have the right to:

  • Know what personal information is maintained in our databases
  • Ensure that personal information is accurate and relevant for the purposes it was collected
  • Review your personal data and correct, erase, or block inaccurate information

How to Request. To request access to, correction of, or deletion of your personal information:

  • Log into your account and edit information directly, or
  • Contact us using the information in the Contact Information section

Response to Law Enforcement. Loan Science will track and respond appropriately to:

  • Legally binding requests for disclosure by law enforcement (unless prohibited by law or regulation)
  • Requests received directly from you

If you are a customer and request access to your personal data, we may direct you to your account management system, your lender, your school, or your account servicing agent, as applicable.

16. Sensitivity of Data

Sensitive Data. Loan Science does not intentionally collect sensitive data (such as medical/health information, racial or ethnic origin, political/religious beliefs, sexual orientation, or union membership) from customers through our website. If sensitive data is provided, it will be protected with the highest levels of security.

17. Questions or Complaints

Customers may contact Loan Science with questions or complaints concerning this Policy using the contact information provided in the Contact Information section.

Loan Science commits to promptly resolving complaints about your privacy and our collection or use of your personal information. For privacy inquiries or complaints, you may contact the Director of Corporate Compliance at the email and mailing addresses listed in the Contact Information section.

18. Defined Terms

“Customer” means an individual customer or client of Loan Science.

“Personal Data” or “Personally Identifiable Information” means data that personally identifies or may be used to personally identify a person, including an individual’s name, address, phone number, email address, user ID, password, and identification numbers, including such data in combination with marital status, emergency contact, salary information, terms of employment, or job qualifications. Personal Data does not include de-identified, anonymous, or publicly available data.

“Sensitive Data” means personally identifiable information that discloses a person’s medical or health condition, race or ethnicity, political, religious or philosophical affiliations or opinions, sexual orientation, or trade union membership.

“Service Provider” means a vendor, contractor, or agent engaged by Loan Science to perform services on our behalf and under our direction, subject to contractual obligations to protect personal information.

“Third Party” means any individual or entity that is neither Loan Science nor a Loan Science employee, agent, contractor, or representative.

For additional information, contact us using the Contact Information section.