Repayment Wellness

Loan Summary Increasing awareness to improve borrowing behaviors.

“Inceptia provided a lot of clarification for me. Honestly, I was avoiding the call with my servicer until I felt comfortable speaking about it. Inceptia helped me out a lot, I now have a better understanding.” – Student, Baker College Repayment Counseling Outreach Getting your student borrowers back on track to successful repayment. Proven and effective, Repayment Counseling Outreach is the first solution to base resolution fees solely on borrowers actually resolved in full. It’s the only counseling solution offered with unlimited outreach attempts, taking as much time as needed to resolve each borrower’s situation. Positive Outreach & Personal Approach We approach outreach with the philosophy of respect toward the borrowers, helping to relieve their anxiety and making the process easier as we show them the path to successful repayment. • Personalized solutions, specific to the needs of each borrower. • Warm transfer to the servicer– that’s especially important to us as we work with the borrower as their advocate to the servicer. • Industry-best online financial education tools provided to help educate the borrower. Proactive Tools You have the power to track the progress of your school’s delinquent portfolio, getting a full, holistic view of its performance. Repayment Counseling Outreach provides the most comprehensive reporting suite in the industry.

Loan Summary provides the nudge your students need, at just the right time, to make informed borrowing decisions. Bridging the gap between entrance and exit counseling, Loan Summary helps students understand the connection between current borrowing and future outcomes. Promotes Positive Contact with Financial Aid Offices More informed students know when to reach out, meaning more opportunities to offer support throughout the student lifecycle. Whether it’s identifying issues or providing a stronger sense of attachment to the institution, the effect is a positive impact on student persistence. Boosts Course Completion and Retention Students that are in control of their financial futures can better manage their other priorities which leads to increased course and credit completion, overall persistence, and, interestingly, an increase in Grade Point Average – all contributing to greater retention rates and degree attainment, a positive for students and institutional revenue. Improves Borrowing Behaviors When used in conjunction with financial education, students leave school with more manageable levels of debt and a sense of empowerment to build financial wellness. For schools, this can contribute to future outcomes like improved cohort default rates. Fulfills State-to-State Regulatory Requirements Loan Summary satisfies state reporting requirements where laws have been passed requiring borrower communication.