Service Approach

Changes to the Federal loan programs, combined with the increasingly common inability of families to provide the Estimated Family Contribution for government loans, have created a need for student to look to the private sector for funding. While most of these loans are paid back in a timely manner, far too many students default because of legitimate reasons – from economic hardship to assorted life-changing events.   

FMS is focused on providing highly specialized services to a relatively small client base. We concentrate on starting from a set of clearly defined goals and advancing, through continuous refinement of our processes, toward an escalation in the business partnership. FMS’ Private Education Division employs best practices drawn from its impressive experience in managing account resolution for Federal loans and assorted other types of consumer debt. In particular, our role as a citizen outreach expert has given us a unique sensitivity to the importance of maintaining amicable relations with our client’s stakeholders.