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Collections
NCM Financial Counselors are trained to be part of the solution, resulting in a kinder, more effective approach to recovering educational loan balances.
Learn More →A third-generation, family-owned firm that has helped colleges and universities nationwide recover over $1 billion in accounts receivable — through deep industry expertise, relentless service, and technology built for what's next.
Three generations of the same family have led NCM since 1960, pairing decades of institutional knowledge and an unwavering focus on compliance, with specialists who know higher education receivables inside and out.
Founded in 1960 by Bernard Fagin, NCM is a rare thing in this industry: a third-generation, family-owned business still rooted in the same hardworking, honest, and integral Midwestern values it was built on. That continuity shows up in how we operate — many of our Financial Counselors and account managers have been with NCM for decades, carrying institutional knowledge that simply can't be replicated by call-center turnover.
Our slogan "We Are Different" isn't a tagline — it's an operating principle. It means staying entrenched in an industry we know deeply, staying obsessively client-centric, responding fast, communicating constantly, and never losing sight of the consumer on the other end of the phone. It also means never standing still: we're continually investing in the technology, compliance frameworks, and data tools that keep us ahead of where this industry is heading.
Six principles that shape every account we touch and every relationship we build with our client institutions.
Decades of deep experience across debt recovery — and a singular focus on higher education since the early 2000s — gives us regulatory and operational fluency few competitors can match.
Every strategy is built around our university partners' outcomes, reputation, and student relationships — not just recovery totals.
Accounts are worked quickly and communication loops with clients stay tight — transparent, frequent reporting means our clients always know exactly where things stand, so nothing sits idle.
FDCPA, Regulation F, and Title IV requirements aren't hurdles to work around — they're the foundation everything is built on.
Every conversation starts with active listening, so counselors understand a borrower's circumstances before proposing next steps. Our No Complaint Guarantee exists because we believe ethical treatment of borrowers produces better outcomes for everyone.
From advanced skip tracing technology to emerging AI-driven infrastructure, NCM is continually investing in the tools that will define the next era of collections — not just keeping pace with it.
NCM has helped our nationwide roster of college and university clients recoup more than $1 billion in accounts receivable across over 2 million resolved accounts — using advanced, data-driven skip tracing to investigate granular borrower detail and maximize recovery on every case.
NCM's team of Financial Counselors are trained to be part of the solution — approaching every account with professionalism, precision, and the technology to back it up.
NCM's No Complaint Guarantee reflects our core belief that ethical collection practices produce better results for everyone. We hold our counselors to the highest standards of professional conduct.
Work With UsShould our client receive a written complaint from a borrower stating that our counselor's conversation was of a harassing or intimidating nature, the account will be personally reviewed by our President & CEO, who will waive all future collection fees on the account and reassign it to another counselor if warranted.