Debt type: Student Loans
Student loans, worked with the care borrowers expect.
Private and institutional student loan borrowers are young, mobile, and often struggling. HL Hunt reaches them through the channels they use, offers plans that match early-career income, satisfies due diligence requirements, and keeps every contact inside federal and state rules.
- Free plan, no credit card
- FDCPA, TCPA & Reg F enforced
- Outreach live in under an hour
- Commission only on recoveries
- -27%
- Roll to 90+ days delinquent
- Mobile
- Borrowers found with continuous tracing
- Diligence
- Required contacts tracked and documented
- State
- Student loan servicing laws enforced
How HL Hunt collects student loans
Early delinquency outreach
Text and email reminders with autopay fixes and plan options before accounts roll to serious delinquency.
Income-sensitive plans
Reduced payment, deferment, and forbearance options presented clearly based on affordability.
Due diligence tracking
Required contact attempts and notices for institutional and Perkins loans scheduled, performed, and documented.
State servicing compliance
State student loan servicing laws and licensing requirements applied per borrower location.
Co-signer handling
Co-signer outreach with correct disclosures and consent, coordinated with borrower contact.
Servicer integration
Connect servicing platforms for placement, status, and payment sync.
Start recovering student loans today.
Create a free account, upload your first accounts, and compliant AI outreach starts within the hour. No credit card, no contract.
How it works
- 01
Place accounts
Upload a CSV, connect your system, or push student loans through the API with balances, itemization, and consent data.
- 02
AI runs the right strategy
Collectability scoring sets intensity, the waterfall picks channels, and every contact is checked against the rules that apply to this debt type.
- 03
Resolve and sync
Payments, plans, disputes, and status updates flow back to your system in real time with full audit trails.
A population that moves faster than your contact data
Student loan borrowers change addresses, phone numbers, and email addresses more than almost any other debtor population. They are early in their careers, often underemployed relative to their debt, and frequently confused about their options. Traditional servicing outreach, letters to a parent's address and calls to a disconnected number, reaches few of them.
HL Hunt keeps contact data current through continuous skip tracing and reaches borrowers through text and email, the channels they actually use. Messaging is clear about options: autopay fixes for the most common cause of delinquency, reduced payment plans, and deferment or forbearance where applicable. Every contact is logged, which satisfies due diligence requirements for institutional and Perkins programs without manual tracking.
The compliance engine covers the growing body of state student loan servicing law, including licensing, borrower communication standards, and complaint handling, alongside federal rules and the FDCPA where it applies.
What changes
HL Hunt vs the traditional approach
| HL Hunt | Traditional collections | |
|---|---|---|
| Student Loans rules | Type-specific laws, itemization, and strategy applied automatically | One generic workflow for every debt |
| Who does the work | AI contacts, converses, negotiates, and collects; humans handle exceptions | Agents on a dialer working whatever fits in the day |
| Compliance | Every contact checked against FDCPA, TCPA, Reg F, and state law before it happens | Training, scripts, and audits after the fact |
| Channels | SMS, email, AI voice, letters, and a self-service portal chosen per debtor | Phone calls and letters on a fixed schedule |
| Coverage | Every account worked, including small balances | Large balances worked; the rest ages out |
| Visibility | Every message, transcript, promise, and payment live in your dashboard | A monthly PDF report |
| Cost | Free to $649 a month plus 3% to 26% commission; Enterprise custom | 25% to 50% contingency, or seats plus modules plus services |
Pricing
Start free. Pay only on what you recover.
Student Loans is included on every plan. Start at $0 a month with 50 active collections, and move up as your portfolio grows. Commission falls from 26% on Free to 3% on Enterprise, and it is charged only on money actually recovered.
Enterprise: unlimited collections, seats, SMS, voice, and email with a 3% commission, SOC 2 reports, DPA, and dedicated support.
- $0
- Free
- $149
- Basic, per month
- $349
- Growth, per month
- $649
- Scale, per month
50 active collections · 26% commission · 1 seat
250 active collections · 15% commission · 3 seats
1,000 active collections · 10% commission · 10 seats
5,000 active collections · 6.5% commission · 25 seats
Everything included
One platform covers all of it
Student Loans is one part of the platform. Every HL Hunt plan, from Free to Enterprise, includes the full collections stack, so you never bolt on a second vendor as your portfolio grows.
- AI outreach engineRight channel, right time, right words for every debtor.Learn more
- SMS, email & lettersEvery channel, orchestrated per account.Learn more
- AI voice agentCompliant calls that take payments and hand off.Learn more
- AI payment plansAffordability-based plans negotiated automatically.Learn more
- Payments & portalCard, ACH, and wallets with a self-service portal.Learn more
- Compliance engineFDCPA, TCPA, Reg F, and 50 states, on every contact.Learn more
- Disputes & validationNotices, disputes, and cease requests handled.Learn more
- Recovery analyticsLive liquidation, channel, and cohort reporting.Learn more
- API, CSV & MCP serverConnect your LOS, billing, or let your agent do it.Learn more
Get started
Go live with Student Loans today
Create a free account, upload your first accounts, and AI outreach begins within the hour. No credit card, no contract, no implementation project. Here is what to have ready.
Prefer to talk first? info@hlhunt.org
- 01A CSV or system export of delinquent accounts: name, contact details, balance, and itemization
- 02Consent and contact-preference data you hold for phone numbers and email addresses
- 03Your legal entity, any collection licenses you hold, and the states you collect in
- 04Brand assets and tone preferences for outreach in your name
- 05Settlement authority and payment plan rules you want the AI to follow
Student Loans FAQ
Does HL Hunt work with federal Direct Loans?
Federal Direct Loan collections are handled by the Department of Education and its contractors. HL Hunt serves private, institutional, and legacy Perkins portfolios.
How is Perkins due diligence handled?
Required contact sequences and notices are scheduled and documented per regulation, with reporting that supports program compliance.
Can we contact co-signers?
Yes, with correct disclosures and consent, coordinated with borrower outreach so both parties receive consistent information.
Which state student loan servicing laws apply?
Many states have enacted servicing standards and licensing. The compliance engine applies them per borrower location and we help you confirm your license footprint.
Still have questions?
Talk to a collections specialist, or start free and see the platform for yourself.
Start recovering more today.
Create a free account, upload your first accounts, and compliant AI outreach begins within the hour. Pay commission only on what you recover.