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Default Aversion Consultants


For more information, contact:

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

TG's default aversion team provides you with products, services, and training to help you ensure that your students understand their financial obligations to successfully complete their FFELP loan repayment.

TG's default aversion consultants work with you to find the best strategies to meet your default aversion goals.


Shelia Dunlap
Assistant Vice President, Default Prevention

Shelia is the Assistant Vice President of Default Prevention and Co-owner of the Achieving Systemic Default Aversion (ASDA) and Positive+Balance™ (PB) programs. Shelia co-spearheaded the development of these comprehensive default aversion and debt management programs that have helped the Texas Historically Black Colleges and Universities (HBCU’s) establish a consortium and create default prevention plans. In addition, her efforts with these programs have helped to bring TG to national prominence for assisting schools in the default prevention and debt management arena. Shelia has been in the financial aid industry for 21 years and much of her expertise has been in the realm of student loans including; loan origination, loan servicing, collections, and default prevention.

Shelia can be reached at (800) 252-9743, ext. 4642, or by e-mail at shelia.dunlap@tgslc.org.


Rett Anderton
Default Aversion Consultant

Rett joined TG in April 2007 with a varied background in the higher education industry. His previous experience includes serving as a registrar at an allied health school and overseeing NCAA compliance in the financial aid office at Texas Tech University. Prior to joining TG, Rett’s managed the customer service team at Texas Tech.

While at Texas Tech, Rett played a key role in creating the campus’s default aversion program. This venture included forming a standing committee dedicated to promoting default aversion and increasing student loan awareness.

At TG, Rett works extensively with schools to promote TG’s default aversion initiative including TG’s Positive+Balance™ program.

Rett can be reached at (800) 252-9743, ext. 4765, or by e-mail at rett.anderton@tgslc.org.


Joe Braxton
Default Aversion Consultant

Joe joined TG in June 1999 with seven years of student loan experience. He began his career as a student worker at the University of North Texas, and then joined the financial aid staff at the University of Texas at Brownsville and then at Texas State Technical College in Harlingen.

As TG's first Default Aversion Consultant, Joe played a leading role in the development of TG's ASDA program, during which he helped Texas' Historically Black Colleges and Universities and other institutions initiate campus-wide default management plans. Joe continues to promote and improve ASDA and TG's financial literacy program, Positive+Balance™.

Joe draws upon his own school experience, allowing him to bring the school's perspective to the default arena.

Joe can be reached at (800) 252-9743, ext. 4696, or by e-mail at joe.braxton@tgslc.org.

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