*The science of lending is our passion.* We develop solutions and advanced analytics that help our clients better manage loan portfolios to optimize revenue and profitability. Our unique approach dramatically improves the design, delivery and performance of loan portfolio management programs. Our core capabilities are: advanced data management with data security that sets the standard for industry-best practices; predictive analytics that accurately assess the default risk of each borrower in a loan portfolio and learn over time by incorporating borrower behavior; and collections and default prevention programs that optimize portfolio performance. We specialize in technology solutions and services for: colleges and universities to reduce their cohort default rates (CDR), maintain their Title IV funding eligibility, and improve revenue and enrollment rates; lenders to improve their financial performance on student loan and consumer loan portfolios; and investors with private student loan and other consumer loan portfolio investments to make better-informed decisions on which loan portfolios to purchase, at what price, and how to best manage them to optimize their return.