Smart Borrowing Let’s help students become more knowledgeable borrowers. Our Smart Borrowing program gives schools the tools to help their students become knowledgeable borrowers with easy-to-understand debt letters, helpful reminders and online resources to help them get on track no matter where they are in the journey. LOAN SUMMARY A simple, effective, uncomplicated solution to help you help increase borrower awareness. Learn More STUDENT KNOWLEDGE HQ A comprehensive, secure website providing student borrowers with tools, support and financial knowledge. Learn More NEWS & EVENTS News: Preventing Student Loan Defaults: A Strategic Imperative for Financial Aid AdministratorsNews: Fast and Slow Thinking in Higher Education: How Nudging Can Support Student SuccessNews: Why Addressing Student Balances is Critical for RetentionNews: Inceptia Launches “Great Advice for Grads 2025” E-guide to Empower New Graduates with Financial ConfidenceNews: Why Hidden Delinquencies Are a Growing Threat to Your Institution – And What You Can Do About ItNext » Find my representative