2. TABLE OF CONTENTS
2 About Us
4 Giving Underprivileged Students a Leg Up on College Planning
and Financial Literacy
6 Reimagining Financial Education for Families
8 Mentoring Students and Grads for a Financially Stable Adult Life
10 Setting the Bar in Student Loan Service
12 Caring About the Community
14 Financials
17 Leadership
18 Partners
4. American Student Assistance ● 2015 Annual Report2
Now in its 60th year, the national not-for-profit American Student Assistance demystifies the college financing
process by providing information, education, and individualized advice for the advancement of dreams.
ABOUT US
69% of student loan borrowers either
don’t recall receiving any formal financial
education on budgeting while in college
or say they did not receive this training.**
Knowing what they know now about their
debts, 54% of student loan borrowers say
they may have made different college
choices if they had it to do over.**
Americans
owe $1.3 trillion
in student loans—and counting.*
Pre-college Counseling
and Financial Advice Compelling Digital Content
Financial Literacy Curriculum
NATIONAL
SCOPE FINANCIAL
EDUCATION
DO-OVER
THE NEED
OUR SALT SERVICES
SALT’S IMPACT
SALT partners with 300
higher education institutions and
nonprofits to make our service
available to 3.5 million students and
alumni, free of charge to our
end users.
BROAD REACH LEARNINGS
After completing the SALT Course on
student loan repayment, members
increased their understanding of loan
repayment options by 96%.
SALT school partners give us a
93% customer satisfaction rate.
PARTNERSHIPS
43Million
THE MARKET’S BROADEST CONTINUUM OF FINANCIAL EDUCATION AND DEBT MANAGE
5. American Student Assistance ● 2015 Annual Report 3
55% of student loan borrowers are
delaying purchasing homes,
with ripple effects on the
national economy.**
64% of student loan borrowers say their
education debt impacts their willingness to
donate to their alma mater,
and 62% report it hinders their
ability to do so.**
62% of student loan borrowers
have put off saving for retirement
or other investments.**
Peer-to-Peer Empowerment
Social Media Engagement One-to-One Loan Counseling
Delinquent borrowers who engage with
SALT counselors are three times more
likely to resolve their delinquency.
NO SAVINGS
LIFE DELAYED
GIVE BACK
TURNED AROUND
**Life Delayed, The Impact of Student Debt on the Daily Lives of Young Americans, 2015 American Student Assistance
*Federal Reserve Bank of New York, December 2015
3x71% of SALT members
who used our Repayment Navigator
raised their financial knowledge
and confidence, and improved their
loan payment plan.
GET IT RIGHT
SALT’s live student loan
counseling receives a
98% customer satisfaction rate
from borrowers.
ONE-ON-ONE
EMENT SERVICES, FROM K-12 THROUGH RETIREMENT.
6. American Student Assistance ● 2015 Annual Report4
GIVING UNDERPRIVILEGED FAMILIES A LEG UP
ON COLLEGE PLANNING AND FINANCIAL LITERACY
Created in 1984, American Student Assistance’s
College Planning Centers and middle/high school
school programs have helped over a half-million
students and families successfully navigate the
process of preparing for and financing a college
education. In 2015, 80% of the incoming higher
education students served by our College Planning
Services went on to enroll in postsecondary
education.
Realizing the Centers’ locations are out of reach for
many Massachusetts residents in need, last year we
expanded our delivery model to bring our services
directly to the low-income and first generation
students who need them most.
With generous financial support
from Experian and Eastern Bank, we
launched the first phase of
SALT Live, a mobile version of our
College Planning Services team that
travels to underserved communities
across Massachusetts.
7. American Student Assistance ● 2015 Annual Report 5
“When I first came to the ASA Brockton College Planning
Center, I had just graduated from high school. My family
was homeless and we lived in a homeless shelter. I never
thought college would be a path that I would be able to take.
Through determination and support, the CPC helped me not
only to believe in myself but my future as well. Now, I have
successfully finished my first year of community college
with a 3.5 GPA and have been accepted into the Biomedical
Engineering program at one of the best public 4-year
colleges in the country.” Youri Themelan, CPC Client
We broadened our digital
college planning tools and
lessons, bringing the deep
knowledge and expertise of
our counselors to a wider
national scale than in-person
counseling can do alone.
We joined with State Street Bank,
MassMutual, the Boys & Girls Clubs
and The Ford Family Foundation to
deliver financial education training to
students where they live, work and
study, from Boston all the way to
the Pacific Northwest.
8. American Student Assistance ● 2015 Annual Report6
REIMAGINING FINANCIAL
EDUCATION FOR FAMILIES
SALT Central is our online
community where users
can ask questions of our
experts or engage with
peers on topics as wide-
ranging as student loan
repayment, saving money
on textbooks, and finding
that first apartment.
SALT has reinvented how students attain the financial
skills needed to make one of the largest purchases of their
lives, and how they carry those skills forward throughout
adulthood. Study after study shows traditional financial
education programs often fall short in producing long-
lasting changes in money management behaviors. SALT
turns financial education instead into a lifelong, hands-on
learning experience for our community of users.
At the heart of this revolution is SALT’s digital platform,
saltmoney.org. In 2015, we further evolved saltmoney.
org by putting increased content control into the hands of
our users.
Our actions have produced results. Last year, we
recorded more than 2 million member interactions.
And when we engage members, they learn:
• 68% of SALT users who took our credit card
lesson say our tools give them hope they can
get a handle on credit card debt.
• 83% of SALT members who used our Know
What You Owe tool agree that we make them
think about how borrowing/debt may impact
their future financial health.
• 96% increase in the number of users who
understand what percentage of after-tax
income a student loan payment should be.
9. American Student Assistance ● 2015 Annual Report 7
“The saltmoney website’s essay advice helped
me win a $1,000 scholarship, and its Repayment
Navigator tool has given me—and my family—
an idea of what I’m going to owe.”
Josie Girona, Plymouth State University student
Our SALT Courses personal finance
curriculum was redesigned to become
more engaging and intuitive.
On saltmoney.org, enhanced responsive
web design provides an optimal viewing
and interactive experience across a
wider range of devices.
10. American Student Assistance ● 2015 Annual Report8
The higher education community knows it’s not enough to give
students an academic education these days; they need a financial
education as well. With more students and families taking on
education debt than ever before, higher education institutions
are stepping up to create the “whole student”—one who is
well-rounded in both book smarts and financial know-how.
At SALT, we know the path to financial stability in college and
beyond starts with knowing your money—and the earlier you
start, the better. That’s why we partner with college campuses
nationwide to get students financially savvy while they’re
in school.
MENTORING STUDENTS AND GRADS
FOR A FINANCIALLY STABLE ADULT LIFE
In our Fiscal Year 2015, 169 higher
education institutions participated in
the first annual SALT-sponsored “Know
Your Money Day” and “Money Smart
Mondays,” competing to host the most
creative on-campus event, as well as
generate the most SALT activations and
engagements.
11. American Student Assistance ● 2015 Annual Report 9
“Knowing that SALT is backing me up is a great feeling.
I feel very supported and a lot less anxious about where
I’m going with my life. I feel that SALT will have the tools
and tips for whatever comes up in the future and for
what I’m dealing with as far as bills, loans, job search and
internships. It’s a good feeling having somebody there to
support me through this transition in life.”
Mackenna Murtaugh, Rivier University student
Financial Aid
enrollment
admissions
housing
student center
student life
alumni
student affairs
career services
Our 300-strong school
partners know the value
of financial education.
From administrators to
academic faculty, dorm
life and athletics,
several offices on
campus integrate SALT
programming into their
own offerings.
Results for “Know your Money Day” and
“Money Smart Mondays” included 10,000
registrations and 85,000 page views of
saltmoney.org.
12. American Student Assistance ● 2015 Annual Report10
SETTING THE BAR IN
STUDENT LOAN SERVICE
If student loan repayment had a Facebook status, it
would be “it’s complicated.” Student loan borrowers today
confront a repayment landscape dotted with jargon,
bureaucracy, and payment plans with distressingly similar
names but very different benefits and outcomes. It’s
no wonder that one in four of the more than 42 million
Americans with student loans is in default or struggling to
make payments.
That’s why SALT is building on ASA’s legacy of outstanding
service to federal student loan borrowers. We are
providing high-touch, personalized, impartial advice on
payment options and more to our sponsored members.
We take the time to examine a borrower’s whole financial
picture and help them find the best long-term payment
solution for their individual situation. We continue to
proactively help borrowers make smarter payment
decisions, by delivering just-in-time information in a
way that works for them. We do all this because getting
education debt under control lays the groundwork for
greater financial knowledge and well-being all around.
In the past year, thanks to SALT’s phone counseling, web
interactions and email communications:
• More than 420,000 borrowers resolved their
student loan delinquencies.
• Severely delinquent student loan borrowers
who engaged with our counselors were
three times more likely to resolve their
delinquency than those who did not engage.
• Borrowers’ satisfaction with our live chat
feature increased 10%, while our chat volume
increased 47% year-over-year.
• 91% of our 1.9 million student loan borrowers
were in good standing.
“Without this program, my loans would be in default and I
would be swimming in a sea of debt. Before talking to the
advisers at SALT, I’ve been having trouble sleeping and so
overwhelmed that I can’t focus at school or work; I had no
idea how to address this problem. This program saved my
professional career and will allow student debt to be a part
of my future instead of taking it over. Thanks SALT!”
University of Nevada Reno alum
13. American Student Assistance ● 2015 Annual Report 11
Tyler 16:20:41
If your other loans are not Direct Loans, and you are working in a
public service field then that may be a good option for you. If you
consolidate, then all your loans will be Direct Loans and then after 120
payments you should be eligible as long as you are still working for a
qualified employer. However, if you can’t afford your payments now
then it may not help to take them out of the grace period.
Tyler 16:27:20
If that is the case, then you would want to consolidate your loans
as soon as possible. You can do so by going to www.studentloans.
gov. Is there anything else I can help you with at this time?
Customer 16:32:35
No, you have been so helpful. Thank you so much.
SALT is fantastic.
Customer 16:33:02
:)
Customer 16:25:35
Basically I am wanting to avoid having to make too
many payments that will not count toward PSLF.
Customer 16:23:26
Yes I do qualify, I work for an alumni association that
seems to be a qualified non-profit.
Customer 16:21:33
What do you mean if I cannot afford my payments?
Tyler 16:22:07
Well if you consolidate and then apply for forbearance because
you can’t afford your payments yet, then it wouldn’t make sense to
consolidate now. Do you hold an eligible job for PSLF?
Tyler 16:32:45
You are welcome and we are glad to hear that!
Thanks for contacting SALT. If you have any other
questions, please don’t hesitate to contact us again.
Tyler 16:23:50
Okay so it sounds like you are good to go on that end.
Customer 16:20:01
Okay, so my next question is would it be beneficial for me to start consolidating my other loans and take
them out of the grace period so I can begin working toward my Public Service Loan Forgiveness Program?
Customer 16:16:24
Hello Tyler, I have a few questions about repaying my student loans.
Customer 16:18:10
I recently graduated with my Ed.D in May 2015. My loans have a payment that
is due July 27, 2015. I called and they told me that because I already had a grace
period that I cannot get a grace period now that I am done. Is that correct?
Based on an actual llve chat
Tyler 16:16:41
I would be happy to help. What is your first question?
Tyler 16:18:41
If you have already exhausted one grace period for each loan then yes, that is true.
Tyler 16:16:05
Welcome to SALT Live Chat. How may I help you?
14. American Student Assistance ● 2015 Annual Report12
CARING ABOUT
OUR COMMUNITY
Provided reading and mentoring support
for first graders at the Warren Prescott
School in Boston.
In 2015, we:
Our people are central to our success at American Student
Assistance. We are committed to a healthy work-life balance
with benefits that speak to our public purpose mission, like our
employee student loan reimbursement program. In 2015, we were
honored as one of The Boston Globe’s “Top Places to Work” for the
eighth year in a row—making ASA one of the elite Massachusetts
employers to have made the list every year since its inception.
Our associates echo our organization’s culture of caring, not just
in their empathetic approach to helping students and alumni as
part of their everyday work, but also in their numerous volunteer
activities. From our annual Halloween candy drive to cleaning Camp
Wing in Duxbury, Massachusetts every spring, ASA associates
are always there, ready to pitch in and give their time, effort and
energy to help those less fortunate.
Raised more than
$3,000 for UNICEF.
Donated 200 toys and $750
in cash/gift cards to the
Carlton Innovation School
in Salem, Massachusetts,
as part of our “Giving
Snowman” initiative.
15. American Student Assistance ● 2015 Annual Report 13
Helped 6,000 students and
families complete the Free
Application for Federal
Student Aid (FAFSA).
Sent two crews to spruce up facilities at Camp Wing
in Duxbury, Massachusetts, benefitting the camp’s
1,000 overnight and day summer campers.
Assisted Cradles to Crayons of Boston package
hundreds of school supplies, clothing and toys
for needy children.
Coached high school seniors from the West
Roxbury Education Complex in Boston on
college essay writing.
16. Financials
American Student Assistance provides various loan-related and other services in connection with
the financing of higher education and the federal Higher Education Act of 1965, as amended. The
organization operates through American Student Assistance, which is the trade or “doing business”
name of the Massachusetts Higher Education Assistance Corporation. A not-for-profit organization,
ASA continues to receive fees in connection with its role as a Federal Family Education Loan guarantor.
As a result of the Student Aid and Fiscal Responsibility Act, which was part of the Health Care and
Education Reconciliation Act, no new loans have been originated under the FFEL Program since July 1,
2010. This does not impact ASA’s commitment to providing services to student borrowers, but it will
cause FFEL-related income to continue decreasing over time.
Federal Family
Education
Loan Program
SALT
College
Planning Services
Totals
2014 2015 2014 2015 2014 2015 2014 2015
Operating Revenues
Fee for Service $ 262.1 $ 169.5 $ 1.3 $ 1.9 $ - $ - $ 263.4 $ 171.4
Grants and Contracts - - - - 1.9 1.9 1.9 1.9
Total Operating Revenues 262.1 169.5 1.3 1.9 1.9 1.9 265.3 173.3
Operating Expenses
Counseling and Support Services 12.7 11.3 11.7 11.1 3.8 3.3 28.2 25.7
Contracted Services 71.4 54.1 - - - - 71.4 54.1
Systems, Equipment and Maintenance 4.9 4.1 4.6 3.8 0.3 0.3 9.8 8.2
Research and Product Development - - 30.9 27.1 - - 30.9 27.1
Sales - - 4.9 4.9 - - 4.9 4.9
Marketing - - 4.0 2.5 - - 4.0 2.5
General and Administration 7.3 7.3 6.3 6.2 0.3 0.3 13.9 13.8
Total Operating Expenses 96.2 76.8 62.4 55.6 4.4 3.9 163.0 136.3
ASA subsidy (65.2) (51.4) 62.6 49.6 2.6 1.8 - -
Non-Operating Income/ (Expenses)
Net Unrealized Gain on Investments - 2.2 - 2.2 - - - 4.4
Federal Fund Transfer and Prepayments (37.5) (2.0) - - - - (37.5) (2.0)
Other Non-Recurring (0.9) 1.1 (1.5) 1.9 (0.1) 0.2 (2.5) 3.2
Total Non-Operating Expenses 38.4 1.3 1.5 4.1 0.1 0.2 40.0 5.6
Change in Net Assets $ 62.3 $ 42.6 $ 0.0 $ 0.0 $ 0.0 $ 0.0 $ 62.3 $ 42.6
AMERICAN STUDENT ASSISTANCE
Consolidated Statements of Activities
(Dollars in Millions)
As of June 30, 2015
17. For Fiscal Year 2015, federal budget legislation reduced the amount of loan rehabilitation funds that
may be retained by guaranty agencies, as well as the fees a guaranty agency may charge borrowers
to rehabilitate. (A student borrower who has defaulted on his or her loan has the opportunity
to rehabilitate it by making a series of nine payments over a 10-month period.) As a result, the
organization saw a significant year-over-year revenue drop. Despite this challenge, ASA maintained
surplus financial results by reducing operating expenses, particularly for contracted services, and
continued investment in our SALT consumer literacy program.
In anticipation of declining federal fee revenue, ASA has established ASA Fund LLC (“ASA Fund,” also
referred to as “SALT Sponsorship Fund”), a single member LLC established to hold funds designated
by the Board as a quasi-endowment for the benefit of the SALT program. Additionally, ASA is seeking
to diversify SALT funding sources through the support of like-minded, socially conscious partners.
Basis of Presentation
The preparation of financial statements is
in conformity with U.S. generally accepted
accounting principles (“GAAP”). For
purposes of discussion and analysis, we
have made use of estimates as necessary
to separate our businesses.
Total
2015
Assets
Cash and Cash Equivalents
Agency Operating Fund 87.2
SALT Quasi-Endowment 102.2
College Planning Services 2.3
Certificate of Deposit 10.7
Investments 203.6
Receivables 56.3
Other Assets 3.7
Property and Equipment, Net 5.2
Total Assets 471.2
Liabilities and Net Assets
Liabilities 14.7
Accounts Payable and Accrued Expenses 17.2
Pension Obligation 8.7
Total Liabilities 40.6
Unrestricted Net Assets
Board Designated Net Assets
Agency Operating Fund 0.9
SALT Quasi-Endowment 102.2
College Planning Services 2.3
Undesignated Net Assets 325.1
Total Unrestricted Net Assets 430.6
Total Liabilities and Net Assets 471.2
AMERICAN STUDENT ASSISTANCE
Consolidated Statements of Financial Position
(Dollars in Millions)
As of June 30, 2015
18. American Student Assistance ● 2015 Annual Report16
ROBERTA’S STORY
Meet Roberta, a low-income, first-generation student who aspires to follow her dreams of
going to college, getting her degree, and making a better life for herself and her family.
Follow Roberta’s story as she navigates her way through paying for college, living on a
student’s budget, repaying her student loans and dealing with the financial challenges
that come with adult life today, with advice and counsel from SALT.
At each stage of her journey, Roberta can count on SALT to be there and ultimately
improve her life by giving her the confidence she needs to make smart money decisions,
for college and beyond.
We invite you to use the enclosed pencils to engage creatively with Roberta’s story!
19. American Student Assistance ● 2015 Annual Report 17
ASA Senior Management
Paul Combe
President and CEO
John Zurick
Executive VP, American Student Assistance
President, SALT
Grace Bartini
Ombudsman and VP
Brian Curtis
VP of Information Services & CIO
Barbara F. Matez
Senior VP, CFO and Treasurer
Susan H. J. Nathan
Senior VP and COO
Michael T. Ryan
VP of Borrower Services
J. Christopher Sheehan
VP and General Counsel
Board of Directors
Donald J. Reaves
Chair of the Board of Directors
Chancellor (retired)
Winston-Salem State University
Jean Eddy
Vice Chair of the Board of Directors
Chief Operating Officer
Rhode Island School of Design
Randall M. Behm
Principal
ED Solution Partners
John R. Currier
Philanthropic Advisor
Massachusetts Institute of Technology
Carol Fulp
President and CEO
The Partnership, Inc.
Lawrence H. Gennari
Partner
Gennari Aronson, LLP
Andy S. Gomez
Special Assistant to the President
for International Affairs (retired)
University of Miami
Thomas M. Graf
Executive Director
Massachusetts Educational Financing
Authority
Dione D. Kenyon
President and CEO
The Jewelers Board of Trade
Peter Segall
Former CEO
Healthcare Source
Advisory Council
Eduardo Brambila
Managing Director, Partnerships
Illinois Student Assistance Commission
Jodi Briggs
Director of Alumni Relations
Dean College
Mary Dyer
Financial Education Specialist
Finance Authority of Maine (FAME)
Risa Forrester
Vice President for Admissions and Marketing
Oklahoma Christian University
Julae Grosz
Director of Financial Aid
Chattanooga State Community College
Michell Jaworski
Interim Dean of Students | Case Manager
Washington State University
Celestine (Celeste) Johnson
Manager, Student Loan Default Prevention
City Colleges of Chicago
Jodi Kaus
Director, Powercat Financial Counseling
Kansas State University
Trevor Kubatzke, Ph.D.
Vice President for Student Services
Milwaukee Area Technical College
Rachel Maddux, Ph.D.
Director of Enrollment Research and Initiatives
Virginia Commonwealth University
Jacqueline Moreno
Managing Director, College Access Initiatives
Illinois Student Assistance Commission
Tara Olsen
Assistant Dean of Financial Aid
Tufts University - School of Medicine
Lyn Riggsby-Gonzalez
Director of the Center for Career
Development
Columbus State University
Precious Smith
Deputy Director, Office of Academic Excellence
Howard University
Dan Welter
Chief of Staff for Campus Life
University of Southern Maine
Leadership, Council Members and Partners
20. American Student Assistance ● 2015 Annual Report18
SALT Partners
NATIONAL/REGIONAL
Associated Colleges of the Midwest
Hispanic Association of Colleges and
Universities
Lutheran Colleges
New England College Council
Rural Community College Alliance
TCS Education System
by STATE
Alabama
Oakwood University
Talladega College
Arizona
Arizona Christian University
Arizona Earn to Learn
Pima Community College
Prescott College
Yavapai College
California
Association of Independent California
Colleges and Universities
California Institute of the Arts
Center for Employment Training
Chabot College
College of the Desert
Dominican University of California
Holy Names University
Life Chiropractic College West
Notre Dame De Namur University
Otis College of Art and Design
Pacific Oaks College
Santa Barbara City College
Southern California University of Health
Sciences
University of Southern California
Western University of Health Sciences
Woodbury University
Colorado
Colorado State University-Pueblo
Metropolitan State University of Denver
Connecticut
Albertus Magnus College
Connecticut Conference of Independent
Colleges
Eastern CT State University
Quinnipiac University
Sacred Heart University
Stone Academy
University of Hartford
University of St. Joseph
Florida
Beacon College
Independent Colleges and Universities of
Florida
Florida State University
Hodges University
Miami Dade College
Palm Beach Atlantic University
Saint Leo University
St. Thomas University
Stetson University
The University of West Florida
University of Tampa
Warner University
Georgia
Atlanta Metropolitan College
Clark Atlanta University
Columbus State University
Fort Valley State University
Georgia Independent College Association
Oglethorpe University
Iowa
Grand View University
Idaho
College of Southern Idaho
College of Western Idaho
Idaho Community Colleges
Lewis-Clark State College
North Idaho College
Illinois
Chicago School of Professional Psychology
City Colleges of Chicago
Columbia College of Chicago
Greenville College
Illinois Student Assistance Commission
Oakton Community College
Parkland College
School of the Art Institute of Chicago
Indiana
Internal Risk Management Association of
Indiana
Manchester University
Kansas
Butler Community College
Dodge City Community College
Emporia State University
Fort Hays State University
Garden City Community College
Kansas Board of Regents
Kansas City Kansas Community College
Kansas State University
Washburn University
Wichita Technical Institute
Kentucky
Jefferson Community and Technical College
West Kentucky Community and Technical
College
Maine
Beal College
Central Maine Community College
Eastern Maine Community College
Finance Authority of Maine
Husson University
Kennebec Valley Community College
Maine College of Art
Northern Maine Community College
Saint Joseph’s College of Maine
Southern Maine Community College
Thomas College
University of Maine
University of Maine, Augusta
University of Maine, Farmington
University of Maine, Fort Kent
University of Maine, Machias
University of Maine, Presque Isle
University of Southern Maine
Washington County Community College
York County Community College
Massachusetts
American International College
Anna Maria College
Association of Independent Colleges and
Universities in Massachusetts
Bard College at Simon’s Rock
Bay Path University
Becker College
Benjamin Franklin Institute of Technology
Bentley University
Berklee College of Music
Berkshire Community College
Boys & Girls Club of Lawrence
Boys & Girls Club of Lowell
Boys & Girls Clubs of Dorchester
Bridgewater State University
Cambridge College
Clark University
College of The Holy Cross
Dean College
Emerson College
Endicott College
Fisher College
Fitchburg State University
Framingham State University
Franklin W. Olin College of Engineering
Gordon College
Harvard University
Holyoke Community College
Jordan Boys & Girls Clubs of Boston (Chelsea)
Laboure College
Lasell College
Lesley University
Longy School of Music of Bard College
Massachusetts College of Art and Design
Massachusetts College of Liberal Arts
Massachusetts Community Colleges
Massachusetts School of Law
Massachusetts State University System
Massasoit Community College
MetroWest College Planning Center
Mount Holyoke College
Mount Wachusett Community College
Newbury College
North Shore Community College
Pine Manor College
Quinsigamond Community College
Regis College
Rob Roy Academy
Salem State University
School of the Museum of Fine Arts
Simmons College
Southeastern Technical Institute
Springfield Technical Community College
Stonehill College
Suffolk University
Tufts University
Current as of December 28, 2015.
21. American Student Assistance ● 2015 Annual Report 19
UMassFive College Federal Credit Union
Wentworth Institute of Technology
William James College
Michigan
Grand Rapids Community College
Kirtland Community College
Minnesota
Minnesota State Colleges and Universities
Normandale Community College
Mississippi
Mississippi Valley State University
Tougaloo College
Missouri
St. Charles Community College
Nebraska
Concordia University
Nevada
Nevada State College
University of Nevada – Reno
New Hampshire
Plymouth State University
Rivier University
Saint Anselm College
New Jersey
Association of Independent Colleges and
Universities in New Jersey
Brookdale Community College
Caldwell University
New Jersey Institute of Technology
Seton Hall University
New York
Albert Einstein College of Medicine
Bard College
Canisius College
Clarkson University
Fashion Institute of Technology
Hamilton College
Houghton College
LIM College
Mercy College
Nazareth College of Rochester
Niagara University
Paul Smith’s College
School of Visual Arts
North Carolina
Central Piedmont Community College
East Carolina University
Lees-McRae College
Lenoir-Rhyne University
North Carolina State University
Pfeiffer University
Pitt Community College
Queens University of Charlotte
Rowan-Cabarrus Community College
Wingate University
North Dakota
North Dakota State University System
United Tribes Technical College
Ohio
Antioch University
Capital University
Central Ohio Technical College
Clark State Community College
Marion Technical College
Ohio Wesleyan University
Southern State Community College
Stark State College
University of Toledo
Washington State Community College
Zane State College
Oklahoma
Mid-America Christian University
Oklahoma Christian University
University of Central Oklahoma
Oregon
Blue Mountain Community College
Central Oregon Community College
Clackamas Community College
Clatsop Community College
College Dreams
Columbia Gorge Community College
Community and Shelter Assistance of Oregon
Dream$avers/Umpqua/Neighborworks
Lane Community College
Lewis & Clark College
Linfield College
Linn-Benton Community College
Marylhurst University
Mount Hood Community College
Oregon Alliance of Independent Colleges and
Universities
Oregon Community Colleges Association
Oregon Student Access Commission
Pacific Northwest College of Art
Rogue Community College
Southwestern Oregon Community College
The Ford Family Foundation
Treasure Valley Community College
Umpqua Community College
University of Oregon
Warner Pacific College
Pennsylvania
Carnegie Mellon University
Mercyhurst University
Puerto Rico
EDP University of Puerto Rico
Rhode Island
Rhode Island School of Design
South Carolina
Francis Marion University
Limestone College
Newberry College
South Carolina Independent Colleges and
Universities
South Carolina Legal Services
Tennessee
Chattanooga State Community College
University of Tennessee Chattanooga
Texas
Dallas Nursing Institute
Schreiner University
Texas A&M International University
Texas A&M – San Antonio
Texas A&M University - College Station
Texas A&M University Corpus Christi
Texas A&M – Kingsville
Texas Lutheran University
University of Texas – Arlington
University of the Incarnate Word
Victoria College
Virginia
Virginia Commonwealth University
Washington
Bates Technical College
Bellingham Technical College
Big Bend Community College
Boys & Girls Clubs of Southwest Washington
Clark College
Clover Park Technical College
Columbia Basin College
Community Housing Resource Center
The Evergreen State College
GEAR UP Vancouver
(Vancouver Public Schools GEAR UP)
Lower Columbia College
LULAC Southwest Washington
Peninsula College
Pierce College
Seattle Central College
South Puget Sound Community College
South Seattle College
Spokane Community College
Spokane Falls Community College
State of Washington University System
Tacoma Community College
Washington State Community Colleges and
Technical Schools
Washington State Dept. of Veterans Affairs
Washington State University
Whatcom Community College
Washington, D.C.
American University Washington College
of Law
Council for Opportunity in Education
Howard University
Wisconsin
Alverno College
Chippewa Valley Technical College
Fox Valley Technical College
Gateway Technical College
Mid-State Technical College
Milwaukee Area Technical College
Moraine Park Technical College
Northcentral Technical College
Northeast Wisconsin Technical College
Southwest Wisconsin Technical College
Wisconsin Association of Independent
Colleges and Universities
Wisconsin Technical College System
22. American Student Assistance ● 2015 Annual Report20
AMERICAN STUDENT ASSISTANCE & SALT
With 60 years’ experience working with millions of students, the national not-for-profit American Student
Assistance knows a college education is the gateway to opportunity and should be accessible to all.
Through our SALT program, we demystify the college financing and repayment process, and provide
information, education and individualized advice. We further the advancement of dreams, with resolve,
compassion, expertise and the complete neutrality that comes from being independent and nonprofit.
23. We alleviate the individual and societal burden of college debt because those persuing an
education shouldn’t be left worse off financially than those who don’t. In fact, by 2025,
we will ensure that no student fails to enter, continue or complete their formal education
because of finances, and that all alumni realize the full economic benefit of higher
education through the successful repayment of affordable education debt.
We’re building a community of partners to achieve this goal,
and we invite you to join in the movement.
LOOKING TOWARD THE FUTURE
