About Student Lending

We've got student lending down to a science!

See how we handle the details so that you can reap the rewards.

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We keep all the balls in the air.

There are a lot of moving parts in the student lending market requiring agility and responsiveness. When you work with Cology, you have an experienced partner that’s already plugged into the system. So as things change, institutions grow and schools evolve, you wont have to worry. We have it all covered (behind the scenes of course).

  • Borrowers


    They get access through an easy online loan application or via telephone which you can take in-house. We can track incoming applications at the bank branch and representative level.

  • Central Disbursing Agents

    Central Disbursing Agents

    CDA’s are critical to 80% of colleges who choose to receive funds electronically. Typically, they choose a CDA that also handles their Data Exchange for streamlined record keeping.

  • Guarantors


    When it come to default protection, Cology supports both 3rd party insurers and self-insured lenders.

  • Financial Institution Core Processors

    Financial Institution Core Processors

    Cology can connect with the nations largest providers of core processing services to financial institutions. These alliance partnerships will allow for seamless and secure utilization of lender data across multiple bank platforms.

  • Data Exchange

    Data Exchange

    Third party technology providers are now the primary interface between schools and outside lenders. Cology is a member of each network and supports all 3rd party data exchange providers.

  • Credit Bureaus

    Credit Bureaus

    Cology pulls credit reports from all 3 national credit bureaus based on a zip code table. A waterfall to backup credit bureaus takes place if a ‘no hit’ happens with the primary credit pull. Lenders can also specify one bureau if desired.

  • Lenders


    Cology’s Volta system has proven its capability to support an unlimited number of lenders and their unique loan programs. Bank branding, credit criteria, pricing, and borrower communication are just a few of the customized features Cology supports.

  • Servicers


    Loan servicers play a key role in servicing the asset over the life of the loan. Cology partners with only the best in class private loan servicers so that your customers receive an outstanding experience from beginning to end.

What's it like working with Cology?

Our Client Account Management Team is always ready to serve! See how we become active members of your team, helping you to implement a program designed to meet your specific needs through things like:

  • Proactive Outreach
  • Electronic Processing
  • Disclosures and Transparency

Let's Talk

See how we can custom fit a solution for your specific needs


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