COHORT Management

Two Array Services Group companies, CareCall and J.C. Christensen & Associates, have partnered to provide a broad array of COHORT Management and debt collection programs for higher education. Whether your institution is in need of a complete outsourcing solution or a program that augments internal efforts, our unique program allows us to meet your needs by customizing all services across the student revenue cycle.  Your Institution can select services a la carte or bundled for complete program flexibility.  

We provide:

• Courteous inbound and outbound first and third party telephone calls, chat, texting and email as well as automated message broadcasting to achieve the highest student contact percentage.
• In-school customer service contact focused on maintaining positive communication with students while educating them in financial responsibility, accountability and institutional policy.
• Delinquency prevention targeting graduates or recently separated students in the federal loan grace period to identify at risk students and provide counseling and correction before required payments are missed.
• Default prevention for student borrowers who have missed payments using a variety of tactics to immediately correct the delinquency. 
• Support for internal activities with text messaging, automated voice messaging and extended hour chat services to augment traditional prevention efforts.  Best practices include using a third party to correct late stage or rolling delinquencies where internal efforts have not been successful. 
• Rapid follow up with borrowers to correct delinquencies in the COHORT period.  In addition, we determine if a missed payment is an isolated incident or an event that requires subsequent action, which is essential to maintaining a low CDR.
• First party collections working directly on your system from an extended office location to reduce program costs and enhance the efforts of internal staff with extended coverage.  This is a less costly option to third party collections and may be done on a temporary or long term project basis.
• Third party collections in the traditional contingency environment for institutions preferring to outsource both Federal debt, including Perkins Loans, and non-Federal institutional or private debt.  Our excellent performance record, as documented by our clients, is a key reason to use JCC.
• Alumni outreach to obtain gainful employment and income information for the debt to income ratio.  At the same time we identify financially challenged borrowers and proactively offer solutions to prevent default.
• Communications and fundraising with former students. Our technology and experience allow us to offer a variety of alumni services to accomplish these tasks fast and cost effectively.
• 100% documented and recorded communications, including confirmation of student permission for future email, text and cell phone contact, for client review and regulatory compliance.

The Array advantage is we work with you as if you are our only client. We pride ourselves on the high quality client service knowing your satisfaction is the foundation of our success.

For a visual representation of the student revenue cycle as listed above, please click below:

Student Revenue Cycle Services

 

For more information regarding our Avatar virtual collection agent,  Click here

 

For more information, email cohortmanagement@arraysg.com