Portfolio Insights
Track the health of your federal loan portfolio using National Student Loan Data Service (NSLDS) data, consolidated and visualized for quick, actionable insights.
Targeted Outreach
Segment borrowers by delinquency stage and launch email, letter, or call campaigns using flexible templates and built-in communication tools.
Time-Saving Automation
Manage your entire borrower portfolio in under an hour per month with a user-friendly platform backed by ScholarNet’s expert support team.
Portfolio Navigator is a powerful portfolio management tool that helps institutions understand, prioritize, and engage their federal loan populations. By transforming NSLDS data into clear insights and targeted outreach opportunities, schools can connect with borrowers as a trusted, familiar resource, driving stronger engagement and response. With built-in automation and streamlined workflows, institutions can make a meaningful impact on portfolio health and delinquency risk in as little as an hour each month.
What Portfolio Navigator Does
Portfolio Navigator helps schools monitor federal loan portfolios, identify at-risk borrowers, and take targeted action to reduce delinquency and default.
For Schools:
Identify Risk and Focus Outreach
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Tracks Cohort Default Risk Rate (CDRR)
Supports proactive delinquency outreach to help reduce default risk and protect participation in federal aid programs.
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Connects You to All Borrowers
Uses NSLDS data to identify and reach your full borrower population, not just those who proactively engage.
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Enables Targeted Outreach
Segments borrowers by delinquency stage so you can deliver timely, relevant messaging that drives action.
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Supports Early Intervention
Helps schools identify at risk borrowers sooner, encouraging enrollment in Repayment Assistance Plans (RAP) or other income driven repayment plans.
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Improves Efficiency and Oversight
Centralizes portfolio data and outreach activity, reducing manual tracking and enabling staff to manage portfolios more effectively.
How Portfolio Navigator Works
Portfolio Navigator transforms NSLDS data into a clear, actionable view of your federal loan portfolio, complete with estimated CDR and risk factor rate. With Action Center, you can segment borrowers by delinquency stage and launch targeted outreach campaigns that drive results.
Track by Delinquency Stage
Segment borrowers based on how far behind they are in repayment, regardless of their loan servicer, and prioritize outreach accordingly.
High-Priority Delinquency |
75–115 days delinquent, never made a payment |
Early Delinquency |
31–134 days delinquent |
Mid Delinquency |
135–239 days delinquent |
Late Delinquency |
240+ days delinquent |
Each group can be viewed, tracked, and engaged with tailored messaging to help prevent default and improve repayment outcomes.
Choose Your Outreach Method
Use Action Center’s flexible campaign tools to reach borrowers by email, letter, or phone, customized to match their delinquency stage. Use ready-made templates or create your own.
Manage Time with Action Tracks
Action Tracks help you prioritize outreach based on your team’s capacity and goals:
Fundamental
Focus on High-Priority and Late Delinquency groups using email outreach.
Comprehensive
Add letters and phone for High-Priority borrowers and emails for Mid and Early Delinquency groups.
All-Inclusive
Engage all four borrower groups using all three outreach methods.
Designed for Schools to Proactively Manage Risk and Support Borrowers
Portfolio Navigator helps schools monitor federal loan portfolios, identify at-risk borrowers, and take targeted action. By combining portfolio visibility with structured outreach tools, it supports a more proactive approach to managing delinquency and default.
Track Portfolio Performance with Clarity
Gives schools a centralized view of their federal loan portfolio, including repayment trends, estimated cohort default rates, and overall risk factors to support better decision-making.
Identify and Prioritize At-Risk Borrowers
Organizes borrowers by delinquency stage so teams can quickly understand who needs attention and focus outreach efforts where they will have the greatest impact.
Drive Targeted, Timely Outreach
Enables schools to send relevant messages to specific borrower groups using flexible outreach methods, helping guide borrowers back on track before issues escalate.
Take Action Efficiently
Provides structured outreach options that help teams prioritize efforts and maximize limited time by focusing on the most critical borrower segments and communication strategies.
What Borrowers Get
Portfolio Navigator helps ensure borrowers receive timely support and guidance throughout repayment.
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Outreach at critical points in repayment
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Clear direction toward available help
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Increased access to support
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Better chances of staying on track
Lowering Cohort Default Risk with Proactive Management
See how Lindsey Wilson University lowered cohort default risk with proactive delinquency management.
Testimonials
We’re not just reacting to defaults — we’re preventing them. Portfolio Navigator has been a game-changer.
Contact Us
Ready to take control of your CDR?