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BUSINESS PARTNER PROFILEOrganizationCMD Outsourcing Solutions, Inc.SERVICESServices you provide Organization DescriptionCMD Outsourcing Solutions, Inc. (CMD) provides innovative outsourcing solutionsfor higher education institutions. Founded in 1999, our corporate office and 9,000square foot 120 seat call center are in Hunt Valley, Maryland – an attractivelocation for recruiting qualified staff. We also have sales offices in Chicago, IL;Charleston, SC; Houston, TX; and Syracuse, NY.Call Center SupportCustomer Service PlatformsStudent Engagement ServicesCMD and its management team are highly experienced in implementing andmanaging large-scale call center programs. For the past two decades, CMD hasbuilt a highly regarded track record working with the higher education sector. Thisincludes virtually all aspects of call center operation, from initial program setupthrough long-term operation and oversight of the call center.Our knowledge and support ranges from prospective students who have yet toenroll, to registration issues, to students seeking to understand their financial aidawards and tuition bills. This diverse experience has allowed CMD to documentbest practices and benchmarks across multiple administrative offices and sharethem with new clients.CMD serves as an extension of your institution’s administrative offices. CMD hasbeen providing outsourced inbound support for higher education since 2001.Within the past decade we have added to our inbound support options to includeour custom inbound support services give you the following capabilities: Links to Specific Product/ServiceCalls – 93 % first-contact resolution (Tier 3 Service) means less than7% of calls create a referralLive Chat – Be there when they want you onlineE-mails – Respond to e-mails under the school’s brandAi Chatbot – School-branded 24x7 access for studentsAuto Attendant Messaging – Voice automation customized to yourmessagingwww.cmdosi.comFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 10

CONTACT INFORMATIONPrimary ContactDavid CooperPhone number(888) 817-7575, ext. tact Brief BioDavid joined CMD in November of 2005. Prior to CMD, he spent 15 years withSallie Mae , the nation’s largest provider of financial services to the highereducation community. His last assignment with Sallie Mae was managing directorof both E-commerce and Sallie Mae's higher education outsourcing group,Campus Solutions. David received a BS degree, with a concentration in finance,from the University of Kentucky and an Information Technology Certificate from theUniversity of Virginia. David is a member of the National Association of Collegeand University Business Officers (NACUBO), the National Association of StudentFinancial Aid Administrators (NASFAA), the Southern Association of StudentFinancial Aid Administrators (SASFAA), the Eastern Association of Collegiate andUniversity Business Officers (EACUBO), the Southern Association of CollegiateRegistrars and Admissions Officers (SACRAO) as well as a sponsor of theCounsel of Student Business Affairs of Florida. David also serves on the AdvisoryCouncil for National Counsel of Student Development (NCSD). David is involved involunteer work for the Medical University of South Carolina Children’s Hospital.FLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 11

BUSINESS PARTNER PROFILEOrganizationCognition FinancialOrganization TypePrivately OwnedSERVICESServices you provideOrganization DescriptionLinks to Specific Product/Service Private Student Loans Loan Servicing Scholarship Financial LiteracyCognition Financial has over 30 years of experience facilitating billions in privatestudent loans. We have two active loan products on the market: Custom ChoiceLoan and the Union Federal Private Student Loan. * Over the years, we havehelped more than 1 million families pay for their education.https://cognitionfinancial.comCONTACT INFORMATIONPrimary ContactKathleen RoebuckPhone ttps://cognitionfinancial.comContact Brief BioCognition Financial is excited to announce that Kathleen Roebuck has joined ourteam and will be supporting your team! Kathleen will be representing CognitionFinancial in the SASFAA Region. Helping individuals obtain an education hasbeen her career journey. She has worked in higher education supporting schools,families, and students by working in both financial aid and admission offices. Shehas also worked for lenders and companies representing loans and productsrelated to higher education. She looks forward to getting to know you and theneeds of your students so they can achieve their dreams.NOTEWORTHY EVENTSSummer Saving is in Action! Students who apply for the Custom Choice or Union Federal Private Student loan by 8/31 willreceive an additional .50% interest rate reduction!With the Paying for College Scholarship Sweepstakes, Cognition Financial is sponsoring a 1,500 scholarship every monthuntil September. It is just one more way we are working to ease the costs of higher education.FLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 12

BUSINESS PARTNER PROFILEOrganizationCollege Aid ServicesSERVICESServices you provideOrganization Description Assessment Services (Compliance or Technology) Business Intelligence Analytics Business Process Reviews Campus Genie Communications Platform Compliance Support Interim Staffing Services I.S.S.A.C. Verification Service Solution or Verification Services Remote Processing Solution Services Technology Solutions TrainingFounded in 2002, College Aid Services, LLC is a management and IT consultingfirm. We provide higher education solutions that put the puzzle pieces together.Higher education administrators need reliable and affordable resources to improvestudent success. Leaders in the offices of Admission, Financial Aid, and StudentAccounts are tremendous revenue generators but also significant liabilities tohigher education institutions.To help, we provide a variety of solutions to colleges, universities, and proprietaryinstitutions throughout the country. Our higher education consultants have spentdecades in the field working in all aspects of financial aid and higher educationassessment and administration.Regardless of your institutional type (community college versus state university,private versus public, for-profit versus not-for-profit), no challenge is too small ortoo big. Our team of senior consultants is familiar with Banner, Colleague,PeopleSoft, PowerFAIDS, and the entire EDE suite of products.CONTACT INFORMATIONPrimary ContactBrenda M. BrownPhone number(833) 438-2271, ext. llegeaidservices.netBrenda M. Brown is the Director of Business Development for College AidServices. She joined as a member of the leadership team in 2018 after retiringfrom the University of Miami, where earned her BBA and worked for nearly 35years. She hires and manages the independent consultants, handlesContact Brief BioFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 13

sales/business development, training services, and serves as the accountexecutive to all clients.She began her higher education career in the academic side in the Office ofUndergraduate Studies in the School of Business. After four years, her career inhigher education took a turn toward financial aid and enrollment management andthere was no looking back. She managed to continue to grow in the professionand became well versed in compliance. Her functional and technical (aka –“funky-tech”) expertise, made her a valuable resource in managing Title IV aid.Brenda has been very active in volunteer professional associations throughout hercareer at the national (NASFAA), regional (SASFAA) and state (FASFAA) levels.As a business partner she continues to volunteer and support the associations andis an active member of NASFAA, SASFAA, FASFAA, GASFAA and PRASFAA.NOTEWORTHY EVENTSHigher Education News BlogWebinar TrainingFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 14

BUSINESS PARTNER PROFILEOrganizationCollege Ave Student LoansSERVICESServices you provideOrganization Description Financial Literacy Loan Servicing Private Student Loans Scholarships Video LibraryCollege Ave Student Loans was founded by industry veterans to address theneeds of an evolving student loan landscape. Our leadership team brings morethan 150 years of experience in the student lending and banking industries.College Ave focuses on the in-school student loan market offering a uniquealternative to traditional private loan options. An established national privateeducation lender, College Ave provides financing assistance to students enrolledat more than 2600 colleges and universities across the country. College Ave offersthe broadest loan features, dedicated campus relations and customer serviceteams, the simplest and most transparent loan experience possible.College Ave Student Loans believes an educated borrower is better able to repayhis or her loans successfully. That is why we make financial literacy and defaultprevention top priorities at every stage of the loan process. We offer in-depthcustomer education, clear and frequent borrower communication, and a "partner"approach with the borrower.Links to Specific Product/ServiceUndergraduate t-loans/undergraduate-studentloans/Graduate t-loans/graduate-student-loans/Parent/Sponsor t-loans/parent-loans/MBA t-loans/mba-student-loans/Law School t-loans/law-school-loans/Medical School t-loans/medical-school-loans/Loan tudent-loan-refinance/FLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 15

CONTACT INFORMATIONPrimary ContactBill AyersPhone number(813) egeavestudentloans.com/WebsiteContact Brief BioBill is currently the Head of Campus Development at College Ave Student Loans.He has over 25 years of experience in higher education finance with previousmanagement positions at Sallie Mae and JP Morgan.NOTEWORTHY EVENTSCollege Ave Promotions. Throughout the year, we offer sweepstakes, contests, and giveaways to help students through theircollege motions/College Ave LORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 16

BUSINESS PARTNER PROFILEOrganizationCredibleSERVICESServices you provideOrganization DescriptionLinks to Specific Product/Service Student Loan Comparison Marketplace Refinancing Loan Comparison MarketplaceCredible is the only student loan comparison tool that enables students andparents to compare unbiased, personalized, and prequalified rates with no hiddenfees, no cost, and no impact to their credit. We believe that consumers shouldknow their options when it comes to making important decisions about their moneyas the financial impact of these decisions can be significant.credible.com/schoolsCONTACT INFORMATIONPrimary ContactCaroline MenendezPhone number(617) .comSome facts about myself, I have been in Higher Education Financing for over 25years and attended the SASFAA New Aid Workshop held on the USF campus withDameion Lovett! I have worked in financial aid offices and was with AmericanStudent Assistance for many years helping students and families finance andmanage their education debt. I enjoy traveling and am a big fan of going onhaunted history tours in as many locations as I can. I am married and have adaughter and son, so my weekends and holidays are often spent cheering them onin their various activities.Contact Brief BioI look forward to seeing you all in person and telling you about all the benefits ofCredible and how easy it is to implement Credible so your schools can provide themost accurate loan comparison tool available.NOTEWORTHY EVENTSCredible Articles, Tools & Resourceshttps://www.credible.com/blog/Credible Best Rate Promotion 200 Best Rate Guarantee OfferFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 17

BUSINESS PARTNER PROFILEOrganizationEarnest Private Student LoansSERVICESServices you provideOrganization DescriptionLinks to Specific Product/Service Financial Literacy Loan Servicing Podcasts Private Student Loans ScholarshipsEarnest was founded in 2013 to help grads save money by refinancing studentloans. Since then, Earnest has helped thousands of clients reduce the interestthey pay, through innovative underwriting that rewards responsible financial habits.In 2019, Earnest has expanded its lending to current students, offering themflexible payments and personalized rates.Consolidation: School Private Loans: https://www.earnest.com/student-loansEarnest Scholarships: inancial Literacy Blogs: students/CONTACT INFORMATIONPrimary ContactChansone DurdenPhone number(850) s://www.earnest.com/Chansone Durden has been working in various capacity in financial aid for over 30years. She started out at University of Florida and has worked at OSFA, twoguarantors and a couple of lenders before joining Earnest. She is an advocate foraccess to education and often assist first generations with the FAFSA applicationon a volunteer basis.Contact Brief BioFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 18

BUSINESS PARTNER PROFILEOrganizationECMCSERVICESServices you provideOrganization DescriptionLinks to Specific Product/Service Financial Literacy Borrow mart Debt Summary Letter Grace Counseling Default Prevention Program Evaluator Loan TrackerEducational Credit Management Corporation (ECMC)—Guarantor (nonprofit)ECMC is a national guaranty agency, managing a 31 billion student loanportfolio. ECMC was founded in 1994 under its original charter with the UnitedStates Department of Education to serve as a national bankruptcy processingcenter and to serve as a safety net if another guarantor ceased to operate in itsdesignated territory. Since then, ECMC has been designated as the guarantor forVirginia, Oregon, and Connecticut. ECMC has also been designated to be thesuccessor guarantor for the FFEL Program portfolios for: The California Student Aid Commission (CSAC) The Tennessee Student Assistance Corporation (TSAC) The South Carolina State Education Assistance Authority(SCSEAA) The Rhode Island Division of Higher Education Assistance (RIDHEA) The Finance Authority of Maine (FAME)Some guarantors outsource the servicing of their portfolios and currently ECMChas been selected to provide third-party servicing to six agencies: College Assist (CO) American Student Assistance (MA) Michigan Guaranty Agency (MGA) Oklahoma College Assistance Program (OCAP) Louisiana Office of Student Financial Assistance (LOSFA)ECMC sponsors programs to help students and families plan and pay for college.Visit www.ecmc.org.Through Solutions at ECMC (nonprofit), we offer postsecondary institutions asuite of student loan repayment services that includes one‐on‐one repaymentadvising, financial literacy and default prevention services. This line of business isa natural adjacency to our role as a guaranty agency as it expands our reach tohelp student loan borrowers successfully meet their student loan obligations.www.ecmcsolutions.orgFLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 19

CONTACT INFORMATIONPrimary ContactIrma MolinaresPhone number(407) utions.orgContact Brief BioIrma Molinares began her career in higher education in 1994. She joined ECMC in2014 and has a strong background working with schools. She has previously heldseveral high-level positions such as director of financial aid, director of complianceand director of sales. Her comprehensive understanding of both federal andprivate loan programs gives her a perspective that has proven valuable to schoolclients. Irma has been active in state and regional financial aid associations mostof her career; she assists schools with creating and implementing defaultprevention programs and provides schools with ECMC’s latest products andservices related to default aversion and financial literacy. Her work ethic,knowledge, strong relationships, and commitment make her a highly qualifiedfinancial aid professional and sales executive. She is fluent—written and orally—inEnglish and Spanish.FLORIDA ASSOCIATION OF STUDENT FINANCIAL AID ADMINISTRATORS FIRST EDITIION JUNE 2021P A G E 20

BUSINESS PARTNER PROFILEOrganizationEdamericaSERVICESServices you provideOrganization DescriptionLinks to Specific Product/Service Call Center support Consulting Services Default Prevention Student Engagement Services VerificationWith over 20 years of experience in higher education, Edamerica is solely focusedon advancing student success. We provide a host of innovative and high-touchsolutions that increase enrollment, enhance retention, and improve student loanrepayment rates. Our solutions help colleges scale customer service infrastructureto meet student demands while streamlining processes and increasingefficiencies. Edamerica provides contact centers, student outreach andengagement services, student loan default prevention, consulting, and financialaid support. Case studies are available at www.edamerica.net that show theimpact of services for colleges and the students they serve.Success Stories – case studies highlighting our ONTACT INFORMATIONPrimary ContactKaren GibsonPhone number(865) ri

College Aid Services, LLC 13 College Ave Student Loans 15 Credible 17 Earnest 18 ECMC 19 Edamerica 21 ELM Resources 22 Financial Aid Services (FAS) 24 Inceptia 25 KHEAA 26 MEFA 27 Ocelot 29 PNC Bank 30 ProEducation Solutions 31 Sallie Mae 32 ScholarNet 33 SoFi 34 Business Partners Services and Solutions by Category 35