Helping families plan & pay for college

Education Finance Council (EFC) is the national trade association representing nonprofit and state-based higher education finance organizations. All EFC Members, as public-purpose organizations, strive to increase college access, success, and affordability in their states and nationwide, operating as supplemental loan originators and loan servicers while providing a wide array of college access and student success services and resources. In the past year, EFC Members directly worked with over 2.5 million families to help them successfully plan, save, and pay for college.

EFC Members, who are intimately involved with their communities, have the knowledge necessary to serve the unique needs of their communities and states, and work to ensure that all families — especially middle-income borrowers and first-generation or low-income students with no family experience in the intricacies of education financing — are provided the tools and guidance they need to choose the best-fit school, borrow appropriately, complete their degree, maximize their earning potential, and successfully repay their loans.

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EFC Featured Member


The NHHEAF Network Organizations has over 50 years of experience in helping families plan and pay for higher education.


The Organizations are comprised of three independent, 501(c)(3) nonprofit agencies: New Hampshire Higher Education Assistance Foundation (NHHEAF), Granite State Management & Resources (GSM&R) and New Hampshire Higher Education Loan Corporation (NHHELCO). The interconnectedness of these organizations provides students and schools with expertise in all aspects of the student loan industry.

The Organizations’ business model and structure has provided significant efficiencies and cost savings. Beyond its own doors, student and parent borrowers, K-12 schools and local nonprofit agencies have benefited tremendously by these savings. Student loan earnings are reinvested in the Organizations and in the greater New Hampshire community.


Reinvestment is achieved through cost-saving borrower benefits, default prevention expertise, college planning, and charitable giving. All of the programs and services accomplished at the Organizations are made possible by the dedication and oversight of three separate, independent boards of trustees.

Nonprofit & State-Based outreach programs

Over the past year, EFC Members directly worked with over 2.5 million families to help them successfully plan, save, and pay for college.


Check out EFC’s 2018 Data Report Book for in-depth info on these outreach programs.

EFC Members offer and partner with organizations in their state that offer assistance and individual counseling on every facet of the higher
education financing process.

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2019 EFC CXO Summit

3/14/2019 » 3/15/2019
2019 Annual Membership Meeting

9/12/2019 » 9/13/2019
2019 EFC Education Finance Conference