Please visit our prevention resources for more information how to better assist borrowers with default aversion. For more information, we suggest you visit the Default Assistance Request Form for a school self-intake analysis and follow instructions for further assistance.

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Starting Balance™

Starting Balance™ courses, as a series, provide an excellent curriculum for empowering professionals with the knowledge they need to guide students in three key areas: basic money management, academic success, and career and life development.

• Default Aversion Overview
  The tools and techniques for success
  
  For financial aid professionals and others in higher education, this session enhances your understanding of TG's default aversion efforts and how they can impact your institution's cohort default rate. This session describes the roles of default prevention call centers, default management reports, and other default aversion innovations.
  
  
• Default Aversion 101 — New to the Industry
  Default strategies for success
  
  This session is designed to help financial aid professionals launch campus default prevention activities. Explore the many products and services TG offers and discover strategies to implement a successful default aversion program.
  
  
• Practical Strategies for Default Aversion
  Strategies for success
  
  Offering best practices in default aversion, this course for financial aid professionals delivers key strategies for success that have assisted peer institutions in implementing the Achieving Systemic Default Aversion (ASDA) methodology. Topics covered include financial aid trends, statistical analysis, and creating buy-in for campus-wide default aversion efforts.
  
  
• Student Loan Overview
  The different types of loans available
  
  This session introduces the four types of student loans available, and walks through the characteristics and differences between the loan types. Stafford, PLUS, consolidation, and private loans are covered.
  
  

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Achieving Balance™

Achieving Balance™ courses emphasize specific aspects covered in the core courses, providing more in-depth information and tools that can enhance learning points covered in Starting Balance courses. They are meant to be selected individually based upon your preferences on the areas or topics that you feel need further reinforcement.

• Effective Credit and Debt Management
  Empowering students
  
  Effective credit and debt management can have a significant impact on students' future success. This course prepares financial aid professionals to deliver key learning points on the issue to students.
  
  
• Entrance/ Exit Counseling Training
  Learn new regulations and train to deliver these sessions
  
  Starting July 1, 2008, lenders, servicers, and guarantors will no longer be allowed to provide Entrance/Exit counseling on behalf of the school. This session gives institutions the training that will allow them to develop and deliver these sessions. Learn the basic requirements for each type of session and discover some ways to infuse new ideas.
  
  
• The Brewing Storm: Consumerism and Financial Literacy
  Avoiding the financial pitfalls of consumer culture
  
  Each day we are exposed to hundreds of advertising messages. This session investigates the influences of advertising and promotion that bombard a student every day and how students can avoid being enticed into debt by these influences.
  
  
• The Context: Crisis Averted or Merely Postponed?
  Examining long-term cohort default rates, resolving defaults, and curing delinquencies
  
  This session examines long-term student loan cohort default rates and the methods used to resolve defaults and cure delinquencies.
  
  

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Maintaining Balance™

Maintaining Balance™ courses are special topics that, when combined with professional core courses, provide further information on important issues and concepts that are especially relevant to financial aid professionals. They can be delivered individually, or in collaboration with Starting Balance or Achieving Balance courses, to deliver important information for financial aid professional success.

• Bridging the Gaps
  Building better relationships with your lenders and servicers
  
  Institutions that maximize lender, servicer, and guarantor default aversion partnerships will increase their overall success in helping students successfully repay their loans. This session looks at federal due diligence; best practices in student loan management among lenders, servicers, and guarantors; and suggestions for schools for maximizing student success.
  
  
• Breaking New Ground
  A case study of success in default aversion
  
  In 1999, the Department of Education eliminated the cohort default rate exemption for Historically Black Colleges and Universities (HBCUs). This session describes how TG partnered with Texas HBCUs to effectively curb their default rates.
  
  
• Default Aversion Strategies Using IDA™
  Successfully manage your school's cohort default rate
  
  Learn how to best utilize TG's Integrated Default Assistant™ (IDA™) to manage your school's cohort default rate. Session participants will learn how to calculate and understand who is included in a cohort default rate and how to integrate IDA into default management strategies.
  
  
• Identity Theft for Professionals
  Prevent one of the fastest growing crimes in the country
  
  As credit and information become more readily available, the chances of having your identity stolen and used improperly increases. This session identifies different methods that thieves use to gain information and provides tips on preventing identity theft.
  
  
• The Big Picture
  Understanding default from a broad perspective
  
  Often one of the key challenges in developing effective default management efforts is creating awareness of how they can contribute to institutional and student success. This session helps participants understand default from a campus-wide perspective and explore creative approaches that can contribute to success.
  
  

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For more information,

call Joe Braxton,
(800) 252-9743,
ext. 4696, or
Rett Anderton,
(800) 252-9743,
ext. 4765,
or send an e-mail to positivebalance@tgslc.org.