Inceptia is working with schools to create a world where students are less burdened by the anxiety of student loan debt. Where financial aid offices

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2 Inceptia is working with schools to create a world where students are less burdened by the anxiety of student loan debt. Where financial aid offices are freed from time-consuming processes and tasks that pull them away from helping their students. And where we continue to support borrowers even as default rates decline.

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4 Smart Borrowing It is becoming increasingly important to create smart, knowledgeable borrowers that are equipped to manage debt. When students understand their loans and when you have more time to work with them and educate them they are better prepared for repayment, and better positioned to launch a secure financial future. HeroKnowl.org Loan Summaries

5 Remove the obstacles that hinder you from facilitating student success. Inceptia saw an opportunity to help make students smarter borrowers by educating them more effectively throughout the life of their loans and helping connect schools to their borrowers. So we created Student Loan Knowledge HQ, a comprehensive loan education website that supports students throughout their loan journey. Helping schools work with borrowers much earlier in the process powered another innovation Loan Summaries. This online experience proactively provides students a summary of their loans giving them visibility into what their final loan amount, and future payments, might be.

6 Financial Aid Management Over the past few years, financial aid offices have been scaled back while their work has expanded, allowing fewer opportunities to work directly with students. Inceptia saw a need to create more freedom for financial aid professionals freedom from paperwork and time-consuming procedures, so more time could be spent where it matters most. Verification Gateway PJ Advisor SAP Management (2017)

7 Gain your freedom from paperwork, so you can spend more time where it matters most. Inceptia saw that new solutions were needed to free up time for financial aid offices. From this need came Verification Gateway and PJ Advisor. Verification Gateway is a dynamic and secure self-help website which centralizes the U.S. Department of Education verification process for federal student aid. PJ Advisor is a secure online solution that streamlines and uncomplicates the process of collecting information needed for schools to evaluate financial aid appeals. Both of these online solutions are mobile friendly, and designed for easy use by both students and administrators.

8 Financial Literacy Students will be the first to tell you that they lack the financial know-how to be smart borrowers and financial literacy is clearly one of the key components to any strategy that seeks to ensure successful loan repayment. But despite that, we saw the existing financial education resources simply weren t relatable to the needs and expectations of Millennial and Gen Z students. Inceptia changed that with Financial Avenue. FinancialAvenue.org

9 It s time to make financial education relevant and engaging to Millennial and Gen Z students. Financial Avenue is by far the industry s best and most comprehensive financial literacy website, designed specifically for the learning and technology styles of today s students. Using a highly researched and tested approach, along with branding and messaging that resonates with Millennials and Gen Z students, Financial Avenue presents a dynamic, 10-course curriculum utilizing video, interactive quizzes, tools and calculators. With its focus on student relevance, Financial Avenue has been a remarkable, proven performer for our partner institutions.

10 Default Prevention Inceptia has always been known as the leading innovator in default prevention, offering the only solution that doesn t see borrowers as transactions, but as individuals. As both an innovator and a nonprofit, we look at solutions through a different lens. Default Prevention Outreach Grace Counseling Outreach Default Prevention Management Plan HeroKnowl.org

11 Innovative solutions for schools and borrowers. Only Inceptia offers an outreach solution with unlimited attempts, taking as much time as needed to resolve each borrower s situation. Inceptia also helps keep your borrower s from ever becoming delinquent by offering outreach during the borrower s grace period and helping educate the borrower on their repayment obligations. Being a leader means we continue to innovate; providing our school clients with the services needed to prevent default and ensure successful repayment.

12 Financial aid management is complicated. Inceptia isn t. We strive to meet the needs of students, financial aid administrators, and schools in an environment that is constantly changing. By focusing on removing the obstacles to success, uncomplicating financial aid as much as possible, and helping create smarter, more knowledgeable borrowers, Inceptia provides a steady foundation of innovation that schools can count on so together we can help launch brilliant futures for your students. To learn more, visit Inceptia.org.

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