NCM is determined to offer services using contemporary, proven and effective procedures and techniques for educational debt collection. More importantly, NCM preserves the human dignity of the borrowers and the respected images of the universities and colleges which are represented throughout the nation.

NCM consulted with an industrial psychologist early on and realized that borrowers do not like to be called by "bill collectors". It was through this collaboration that NCM developed a kinder, more interactive approach. Thus the NCM Financial Counselor was created.

NCM's Financial Counselor training emphasizes negotiating skills as well as simple, and most importantly, courtesy. They are trained in the art of Active Listening. At NCM the Financial Counselor is trained to be part of the solution, not part of the problem.

NCM President and CEO Bernard Fagin served as President of the Missouri Collector's Association and lobbied in Washington D.C. for changes in the collection industry during the creation of the Fair debt Collection Practices Act (FDCPA), helping to set industry standards that are still in place today. It is through these standards that NCM Financial Counselors operate.