The Total Higher Education (T.H.E.) Loan Programs are a product of NorthStar, a nonprofit lender
based in St. Paul, Minnesota. NorthStar has originated and continues to hold more than $6 billion
in student loans for borrowers across the country. As of 2007 we were the 11th largest FFEL originator
but the capital markets crisis has sharply curtailed our ability to originate loans in 2008 and
continues to impact our lending abilities.
Our Borrowers Experience
Outstanding Customer Service and Borrower Education.
Customer Service
Our customer service experts are highly qualified to guide student-borrowers through the student loan process and
make sure that administration is easy for financial aid officers.
- An immediate response from a real person, not an automated system
- One-call resolution to inquiries
- Experience that averages more than 12 years in the industry
- Intelligent support from entrance throughout repayment
- An average call abandonment rate of less than 1%
Education and Outreach for Students and Families
- Entrance, exit, budgeting and debt management counseling presentations, delivered by our dedicated corporate presenters
- Suite of borrower education brochures, including Blue Skies: A Quick Guide to Smart Borrowing
- Personal, proactive outreach through phone calls, e-mails and postcards to help borrowers understand their options for repayment, postponement and consolidation
- The Ramen Report, our lender-neutral blog that gives students real-world tips on managing debt,
sticking to a budget and making sound decisions about their education financing
- Electronic Loan Counselor, an online wizard that guides borrowers to a smart repayment strategy, based on their unique portfolio and personal goals
About NorthStar
