TY 2024 Form 990

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)
(1) DANIEL FISHER...................................................................... PRESIDENT & CEO, ECMC GROUP	0.00 ................. 40.00	X			0	1,373,427	130,325
(2) JAMES V MCKEON...................................................................... BOARD CHAIR	1.00 ................. 16.00	X			0	197,500	0
(3) DIANA J INGRAM...................................................................... DIRECTOR	1.00 ................. 9.00	X			0	151,250	0
(4) JACK O'CONNELL...................................................................... DIRECTOR	1.00 ................. 8.00	X			0	135,000	0
(5) JULIA S GOUW...................................................................... DIRECTOR	1.00 ................. 7.00	X			0	155,000	0
(6) DEREK LANGHAUSER...................................................................... DIRECTOR	1.00 ................. 8.00	X			0	127,500	0
(7) JAMES RUNCIE...................................................................... DIRECTOR	1.00 ................. 9.00	X			0	135,000	0
(8) JENNIFER ANDERSON...................................................................... DIRECTOR	1.00 ................. 8.00	X			0	138,750	0
(9) K PAUL SINGH...................................................................... DIRECTOR	1.00 ................. 12.00	X			0	145,000	0
(10) MARTIN SCANLON...................................................................... CFO & TREASURER	0.00 ................. 40.00		X		0	903,005	108,170
(11) BRIAN BOARDMAN...................................................................... GENERAL COUNSEL & CORP SECRETARY	0.00 ................. 40.00		X		0	520,510	91,781
(12) PAULA CRAW...................................................................... VP, OUTREACH	40.00 ................. 0.00		X		279,939	0	27,226
(13) THERESE BICKLER...................................................................... VP, ECMC OPERATIONS	40.00 ................. 0.00		X		345,093	0	46,785
(14) CHAD TATE...................................................................... PRESIDENT, ECMC	40.00 ................. 0.00		X		599,179	0	89,550
(15) JAN JACOBSON...................................................................... DIR, CUSTOMER SERVICE	40.00 ................. 0.00			X	205,258	0	57,805
(16) J HAMLIN SJOBERG...................................................................... SR DIR, GUARANTOR SERVICES	40.00 ................. 0.00			X	245,596	0	42,362
(17) HAN CHO...................................................................... DIR, PORTFOLIO MANAGEMENT	40.00 ................. 0.00			X	210,205	0	59,690

(A) Name and business address	(B) Description of services	(C) Compensation
NASFAA 1801 PENNSYLVANIA AVE NW STE 850 WASHINGTON,DC20006	PROFESSIONAL SERVICES	5,027,641
PARTNERSHIP FOR EDUCATION ADVANCEMENT 499 PARK AVE FL 27 NEW YORK,NY10022	PROFESSIONAL SERVICES	5,000,000
ALVARIA INC 211 PERIMETER CENTER PKWY STE 200 ATLANTA,GA30346	IT SERVICES & SUPPORT	676,717
QUADIENT FINANCE USA INC PO BOX 6813 CAROL STREAM,IL60197	FINANCE SERVICES	459,031
FAME 5 COMMUNITY DR AUGUSTA,ME04332	GA SERVICING	340,000
2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 20

- TIN:

SCHEDULE A
(Form 990)

Department of the Treasury
Internal Revenue Service

Public Charity Status and Public Support

Complete if the organization is a section 501(c)(3) organization or a section 4947(a)(1) nonexempt charitable trust.
right arrow

Attach to Form 990 or Form 990-EZ.
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Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2024

Open to Public
Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

Reason for Public Charity Status (All organizations must complete this part.) See instructions.

The organization is not a private foundation because it is: (For lines 1 through 12, check only one box.)

A church, convention of churches, or association of churches described in section 170(b)(1)(A)(i).

A school described in section 170(b)(1)(A)(ii). (Attach Schedule E (Form 990).)

A hospital or a cooperative hospital service organization described in section 170(b)(1)(A)(iii).

A medical research organization operated in conjunction with a hospital described in section 170(b)(1)(A)(iii). Enter the hospital's name, city, and state:

An organization operated for the benefit of a college or university owned or operated by a governmental unit described in section 170(b)(1)(A)(iv). (Complete Part II.)

A federal, state, or local government or governmental unit described in section 170(b)(1)(A)(v).

An organization that normally receives a substantial part of its support from a governmental unit or from the general public described in section 170(b)(1)(A)(vi). (Complete Part II.)

A community trust described in section 170(b)(1)(A)(vi). (Complete Part II.)

An agricultural research organization described in 170(b)(1)(A)(ix) operated in conjunction with a land-grant college or university or a non-land grant college of agriculture. See instructions. Enter the name, city, and state of the college or university:

An organization that normally receives: (1) more than 33 1/3% of its support from contributions, membership fees, and gross receipts from activities related to its exempt functions—subject to certain exceptions, and (2) no more than 33 1/3% of its support from gross investment income and unrelated business taxable income (less section 511 tax) from businesses acquired by the organization after June 30, 1975. See section 509(a)(2). (Complete Part III.)

An organization organized and operated exclusively to test for public safety. See section 509(a)(4).

An organization organized and operated exclusively for the benefit of, to perform the functions of, or to carry out the purposes of one or more publicly supported organizations described in section 509(a)(1) or section 509(a)(2). See section 509(a)(3). Check the box on lines 12a through 12d that describes the type of supporting organization and complete lines 12e, 12f, and 12g.

Type I. A supporting organization operated, supervised, or controlled by its supported organization(s), typically by giving the supported organization(s) the power to regularly appoint or elect a majority of the directors or trustees of the supporting organization. You must complete Part IV, Sections A and B.

Type II. A supporting organization supervised or controlled in connection with its supported organization(s), by having control or management of the supporting organization vested in the same persons that control or manage the supported organization(s). You must complete Part IV, Sections A and C.

Type III functionally integrated. A supporting organization operated in connection with, and functionally integrated with, its supported organization(s) (see instructions). You must complete Part IV, Sections A, D, and E.

Type III non-functionally integrated. A supporting organization operated in connection with its supported organization(s) that is not functionally integrated. The organization generally must satisfy a distribution requirement and an attentiveness requirement (see instructions). You must complete Part IV, Sections A and D, and Part V.

Check this box if the organization received a written determination from the IRS that it is a Type I, Type II, Type III functionally integrated, or Type III non-functionally integrated supporting organization.

Enter the number of supported organizations ...............................

Provide the following information about the supported organization(s).

(i) Name of supported organization	(ii) EIN	(iv) Is the organization listed in your governing document?		(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)
(i) Name of supported organization	(ii) EIN	Yes	No	(v) Amount of monetary support (see instructions)	(vi) Amount of other support (see instructions)


Total

For Paperwork Reduction Act Notice, see the Instructions for
Form 990 or 990-EZ.

Cat. No. 11285F

Schedule A (Form 990) 2024

Page 2

Part II

Support Schedule for Organizations Described in Sections 170(b)(1)(A)(iv) and 170(b)(1)(A)(vi)
(Complete only if you checked the box on line 5, 7, or 8 of Part I or if the organization failed to qualify under Part III. If the organization failed to qualify under the tests listed below, please complete Part III.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grant.") ..
2	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf ....
3	The value of services or facilities furnished by a governmental unit to the organization without charge..
4	Total. Add lines 1 through 3
5	The portion of total contributions by each person (other than a governmental unit or publicly supported organization) included on line 1 that exceeds 2% of the amount shown on line 11, column (f) ..
6	Public support. Subtract line 5 from line 4.

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
7	Amounts from line 4..
8	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources...
9	Net income from unrelated business activities, whether or not the business is regularly carried on..
10	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.)..
11	Total support. Add lines 7 through 10

Gross receipts from related activities, etc. (see instructions) ..................

First 5 years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here ........................................ right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2024 (line 6, column (f) divided by line 11, column (f)) .........

Public support percentage for 2023 Schedule A, Part II, line 14 ...............

16a

33 1/3% support test—2024. If the organization did not check the box on line 13, and line 14 is 33 1/3% or more, check this box
and stop here. The organization qualifies as a publicly supported organization ....................... right arrow

33 1/3% support test—2023. If the organization did not check a box on line 13 or 16a, and line 15 is 33 1/3% or more, check this
box and stop here. The organization qualifies as a publicly supported organization ..................... right arrow

17a

10%-facts-and-circumstances test—2024. If the organization did not check a box on line 13, 16a, or 16b, and line 14 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported organization ............ right arrow

10%-facts-and-circumstances test—2023. If the organization did not check a box on line 13, 16a, 16b, or 17a, and line 15 is 10% or more, and if the organization meets the "facts-and-circumstances" test, check this box and stop here. Explain in Part VI how the organization meets the "facts-and-circumstances" test. The organization qualifies as a publicly supported organization ............ right arrow

Private foundation. If the organization did not check a box on line 13, 16a, 16b, 17a, or 17b, check this box and see
instructions ..................................................... right arrow

Schedule A (Form 990) 2024

Page 3

Part III

Support Schedule for Organizations Described in Section 509(a)(2)
(Complete only if you checked the box on line 10 of Part I or if the organization failed to qualify under Part II. If the organization fails to qualify under the tests listed below, please complete Part II.)

Section A. Public Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
1	Gifts, grants, contributions, and membership fees received. (Do not include any "unusual grants.") .	925,578	2,234,612	2,150,000	17,188,000	14,611,000	37,109,190
2	Gross receipts from admissions, merchandise sold or services performed, or facilities furnished in any activity that is related to the organization's tax-exempt purpose	273,320,049	421,826,420	359,516,774	299,965,573	249,023,650	1,603,652,466
3	Gross receipts from activities that are not an unrelated trade or business under section 513 .....
4	Tax revenues levied for the organization's benefit and either paid to or expended on its behalf...
5	The value of services or facilities furnished by a governmental unit to the organization without charge
6	Total. Add lines 1 through 5	274,245,627	424,061,032	361,666,774	317,153,573	263,634,650	1,640,761,656
7a	Amounts included on lines 1, 2, and 3 received from disqualified persons	500,000	1,910,000	2,150,000	17,188,000	14,611,000	36,359,000
b	Amounts included on lines 2 and 3 received from other than disqualified persons that exceed the greater of $5,000 or 1% of the amount on line 13 for the year.	19,035,350	36,252,863	30,432,977	31,002,480	31,544,013	148,267,683
c	Add lines 7a and 7b..	19,535,350	38,162,863	32,582,977	48,190,480	46,155,013	184,626,683
8	Public support. (Subtract line 7c from line 6.)						1,456,134,973

Section B. Total Support

Calendar year (or fiscal year beginning in)		(a) 2020	(b) 2021	(c) 2022	(d) 2023	(e) 2024	(f) Total
9	Amounts from line 6...	274,245,627	424,061,032	361,666,774	317,153,573	263,634,650	1,640,761,656
10a	Gross income from interest, dividends, payments received on securities loans, rents, royalties and income from similar sources..	149,808	10,722	312,952	933,773	1,363,991	2,771,246
b	Unrelated business taxable income (less section 511 taxes) from businesses acquired after June 30, 1975.
c	Add lines 10a and 10b.	149,808	10,722	312,952	933,773	1,363,991	2,771,246
11	Net income from unrelated business activities not included on line 10b, whether or not the business is regularly carried on.
12	Other income. Do not include gain or loss from the sale of capital assets (Explain in Part VI.) ..					215	215
13	Total support. (Add lines 9, 10c, 11, and 12.)..	274,395,435	424,071,754	361,979,726	318,087,346	264,998,856	1,643,533,117

First 5 years. If the Form 990 is for the organization's first, second, third, fourth, or fifth tax year as a section 501(c)(3) organization, check this box and stop here................................................. right arrow

Section C. Computation of Public Support Percentage

Public support percentage for 2024 (line 8, column (f) divided by line 13, column (f)) .........

88.600 %

Public support percentage from 2023 Schedule A, Part III, line 15 ...............

89.990 %

Section D. Computation of Investment Income Percentage

Investment income percentage for 2024 (line 10c, column (f) divided by line 13, column (f)) ......

0.170 %

Investment income percentage from 2023 Schedule A, Part III, line 17 .............

0.130 %

19a

33 1/3% support tests-2024. If the organization did not check the box on line 14, and line 15 is more than 33 1/3%, and line 17 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ....... right arrow

33 1/3 % support tests—2023. If the organization did not check a box on line 14 or line 19a, and line 16 is more than 33 1/3% and line 18 is not more than 33 1/3%, check this box and stop here. The organization qualifies as a publicly supported organization ..... right arrow

Private foundation. If the organization did not check a box on line 14, 19a, or 19b, check this box and see instructions .... right arrow

Schedule A (Form 990) 2024

Page 4

Part IV

Supporting Organizations

(Complete only if you checked a box on line 12 of Part I. If you checked box 12a, of Part I, complete Sections A and B. If you checked box 12b, of Part I, complete Sections A and C. If you checked box 12c, of Part I, complete Sections A, D, and E. If you checked box12d, of Part I, complete Sections A and D, and complete Part V.)

Section A. All Supporting Organizations

Yes

Are all of the organization’s supported organizations listed by name in the organization’s governing documents?
If "No," describe in Part VI how the supported organizations are designated. If designated by class or purpose,
describe the designation. If historic and continuing relationship, explain.

Did the organization have any supported organization that does not have an IRS determination of status under section 509(a)(1) or (2)? If "Yes," explain in Part VI how the organization determined that the supported organization was described in section 509(a)(1) or (2).

Did the organization have a supported organization described in section 501(c)(4), (5), or (6)? If "Yes," answer lines 3b and 3c below.

Did the organization confirm that each supported organization qualified under section 501(c)(4), (5), or (6) and satisfied the public support tests under section 509(a)(2)? If "Yes," describe in Part VI when and how the organization made the determination.

Did the organization ensure that all support to such organizations was used exclusively for section 170(c)(2)(B) purposes? If "Yes," explain in Part VI what controls the organization put in place to ensure such use.

Was any supported organization not organized in the United States ("foreign supported organization")? If “Yes” and if you checked box 12a or 12b in Part I, answer lines 4b and 4c below.

Did the organization have ultimate control and discretion in deciding whether to make grants to the foreign supported organization? If “Yes,” describe in Part VI how the organization had such control and discretion despite being controlled or supervised by or in connection with its supported organizations.

Did the organization support any foreign supported organization that does not have an IRS determination under sections 501(c)(3) and 509(a)(1) or (2)? If “Yes,” explain in Part VI what controls the organization used to ensure that all support to the foreign supported organization was used exclusively for section 170(c)(2)(B) purposes.

Did the organization add, substitute, or remove any supported organizations during the tax year? If “Yes,” answer lines 5b and 5c below (if applicable). Also, provide detail in Part VI, including (i) the names and EIN numbers of the supported organizations added, substituted, or removed; (ii) the reasons for each such action; (iii) the authority under the organization's organizing document authorizing such action; and (iv) how the action was accomplished (such as by amendment to the organizing document).

Type I or Type II only. Was any added or substituted supported organization part of a class already designated in the organization's organizing document?

Substitutions only. Was the substitution the result of an event beyond the organization's control?

Did the organization provide support (whether in the form of grants or the provision of services or facilities) to anyone other than (i) its supported organizations, (ii) individuals that are part of the charitable class benefited by one or more of its supported organizations, or (iii) other supporting organizations that also support or benefit one or more of the filing organization’s supported organizations? If “Yes,” provide detail in Part VI.

Did the organization provide a grant, loan, compensation, or other similar payment to a substantial contributor (defined in section 4958(c)(3)(C)), a family member of a substantial contributor, or a 35% controlled entity with regard to a substantial contributor? If “Yes,” complete Part I of Schedule L (Form 990) .

Did the organization make a loan to a disqualified person (as defined in section 4958) not described on line 7? If “Yes,” complete Part I of Schedule L (Form 990).

Was the organization controlled directly or indirectly at any time during the tax year by one or more disqualified persons, as defined in section 4946 (other than foundation managers and organizations described in section 509(a)(1) or (2))? If “Yes,” provide detail in Part VI.

Did one or more disqualified persons (as defined on line 9a) hold a controlling interest in any entity in which the supporting organization had an interest? If “Yes,” provide detail in Part VI.

Did a disqualified person (as defined on line 9a) have an ownership interest in, or derive any personal benefit from, assets in which the supporting organization also had an interest? If “Yes,” provide detail in Part VI.

10a

Was the organization subject to the excess business holdings rules of section 4943 because of section 4943(f) (regarding certain Type II supporting organizations, and all Type III non-functionally integrated supporting organizations)? If “Yes,” answer line 10b below.

10a

Did the organization have any excess business holdings in the tax year? (Use Schedule C, Form 4720, to determine whether the organization had excess business holdings).

10b

Schedule A (Form 990) 2024

Page 5

Part IV

Supporting Organizations (continued)

Yes

Has the organization accepted a gift or contribution from any of the following persons?

A person who directly or indirectly controls, either alone or together with persons described on lines 11b and 11c below, the governing body of a supported organization?

11a

A family member of a person described on 11a above?

11b

A 35% controlled entity of a person described on line 11a or 11b above? If “Yes” to 11a, 11b, or 11c, provide detail in Part VI.

11c

Section B. Type I Supporting Organizations

Yes

Did the officers, directors, trustees, or membership of one or more supported organizations have the power to regularly appoint or elect at least a majority of the organization’s directors or trustees at all times during the tax year? If “No,” describe in Part VI how the supported organization(s) effectively operated, supervised, or controlled the organization’s activities. If the organization had more than one supported organization, describe how the powers to appoint and/or remove directors or trustees were allocated among the supported organizations and what conditions or restrictions, if any, applied to such powers during the tax year.

Did the organization operate for the benefit of any supported organization other than the supported organization(s) that operated, supervised, or controlled the supporting organization? If “Yes,” explain in Part VI how providing such benefit carried out the purposes of the supported organization(s) that operated, supervised or controlled the supporting organization.

Section C. Type II Supporting Organizations

Yes

Were a majority of the organization’s directors or trustees during the tax year also a majority of the directors or trustees of each of the organization’s supported organization(s)? If “No,” describe in Part VI how control or management of the supporting organization was vested in the same persons that controlled or managed the supported organization(s).

Section D. All Type III Supporting Organizations

Yes

Did the organization provide to each of its supported organizations, by the last day of the fifth month of the organization’s tax year, (i) a written notice describing the type and amount of support provided during the prior tax year, (ii) a copy of the Form 990 that was most recently filed as of the date of notification, and (iii) copies of the organization’s governing documents in effect on the date of notification, to the extent not previously provided?

Were any of the organization’s officers, directors, or trustees either (i) appointed or elected by the supported organization(s) or (ii) serving on the governing body of a supported organization? If "No," explain in Part VI how the organization maintained a close and continuous working relationship with the supported organization(s).

By reason of the relationship described in line 2 above, did the organization’s supported organizations have a significant voice in the organization’s investment policies and in directing the use of the organization’s income or assets at all times during the tax year? If "Yes," describe in Part VI the role the organization’s supported organizations played in this regard.

Section E. Type III Functionally-Integrated Supporting Organizations

Check the box next to the method that the organization used to satisfy the Integral Part Test during the year (see instructions):

The organization satisfied the Activities Test. Complete line 2 below.

The organization is the parent of each of its supported organizations. Complete line 3 below.

The organization supported a governmental entity. Describe in Part VI how you supported a government entity (see instructions)

Activities Test. Answer lines 2a and 2b below.

Yes

Did substantially all of the organization’s activities during the tax year directly further the exempt purposes of the supported organization(s) to which the organization was responsive? If "Yes," then in Part VI identify those supported organizations and explain how these activities directly furthered their exempt purposes, how the organization was responsive to those supported organizations, and how the organization determined that these activities constituted substantially all of its activities.

Did the activities described on line 2a, above constitute activities that, but for the organization’s involvement, one or more of the organization’s supported organization(s) would have been engaged in? If "Yes," explain in Part VI the reasons for the organization’s position that its supported organization(s) would have engaged in these activities but for the organization’s involvement.

Parent of Supported Organizations. Answer lines 3a and 3b below.

Did the organization have the power to regularly appoint or elect a majority of the officers, directors, or trustees of each of the supported organizations?If "Yes" or "No", provide details in Part VI.

Did the organization exercise a substantial degree of direction over the policies, programs and activities of each of its supported organizations? If "Yes," describe in Part VI. the role played by the organization in this regard.

Schedule A (Form 990) 2024

Page 6

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations

Check here if the organization satisfied the Integral Part Test as a qualifying trust on Nov. 20, 1970 (explain in Part VI). See instructions. All other Type III non-functionally integrated supporting organizations must complete Sections A through E.

	Section A - Adjusted Net Income		(A) Prior Year	(B) Current Year (optional)
1	Net short-term capital gain	1
2	Recoveries of prior-year distributions	2
3	Other gross income (see instructions)	3
4	Add lines 1 through 3	4
5	Depreciation and depletion	5
6	Portion of operating expenses paid or incurred for production or collection of gross income or for management, conservation, or maintenance of property held for production of income (see instructions)	6
7	Other expenses (see instructions)	7
8	Adjusted Net Income (subtract lines 5, 6 and 7 from line 4)	8

	Section B - Minimum Asset Amount		(A) Prior Year	(B) Current Year (optional)
1	Aggregate fair market value of all non-exempt-use assets (see instructions for short tax year or assets held for part of year):	1
a	Average monthly value of securities	1a
b	Average monthly cash balances	1b
c	Fair market value of other non-exempt-use assets	1c
d	Total (add lines 1a, 1b, and 1c)	1d
e	Discount claimed for blockage or other factors (explain in detail in Part VI):
2	Acquisition indebtedness applicable to non-exempt use assets	2
3	Subtract line 2 from line 1d	3
4	Cash deemed held for exempt use. Enter 0.015 of line 3 (for greater amount, see instructions).	4
5	Net value of non-exempt-use assets (subtract line 4 from line 3)	5
6	Multiply line 5 by 0.035	6
7	Recoveries of prior-year distributions	7
8	Minimum Asset Amount (add line 7 to line 6)	8

	Section C - Distributable Amount		Current Year
1	Adjusted net income for prior year (from Section A, line 8, Column A)	1
2	Enter 85% of line 1	2
3	Minimum asset amount for prior year (from Section B, line 8, Column A)	3
4	Enter greater of line 2 or line 3	4
5	Income tax imposed in prior year	5
6	Distributable Amount. Subtract line 5 from line 4, unless subject to emergency temporary reduction (see instructions)	6

Check here if the current year is the organization's first as a non-functionally-integrated Type III supporting organization (see instructions)

Schedule A (Form 990) 2024

Page 7

Part V

Type III Non-Functionally Integrated 509(a)(3) Supporting Organizations(continued)

Section D - Distributions		Current Year
1 Amounts paid to supported organizations to accomplish exempt purposes	1
2 Amounts paid to perform activity that directly furthers exempt purposes of supported organizations, in excess of income from activity	2
3 Administrative expenses paid to accomplish exempt purposes of supported organizations	3
4 Amounts paid to acquire exempt-use assets	4
5 Qualified set-aside amounts (prior IRS approval required - provide details in Part VI)	5
6 Other distributions (describe in Part VI). See instructions	6
7Total annual distributions. Add lines 1 through 6.	7
8 Distributions to attentive supported organizations to which the organization is responsive (provide details in Part VI). See instructions	8
9 Distributable amount for 2024 from Section C, line 6	9
10 Line 8 amount divided by Line 9 amount	10

Section E - Distribution Allocations (see instructions)		(i) Excess Distributions	(ii) Underdistributions Pre-2024	(iii) Distributable Amount for 2024
1 Distributable amount for 2024 from Section C, line 6
2 Underdistributions, if any, for years prior to 2024 (reasonable cause required-- explain in Part VI). See instructions.
3 Excess distributions carryover, if any, to 2024:
a From 2019.......
b From 2020.......
c From 2021.......
d From 2022.......
e From 2023.......
fTotal of lines 3a through e
g Applied to underdistributions of prior years
h Applied to 2024 distributable amount
i Carryover from 2019 not applied (see instructions)
j Remainder. Subtract lines 3g, 3h, and 3i from line 3f.
4Distributions for 2024 from Section D, line 7:
$
a Applied to underdistributions of prior years
b Applied to 2024 distributable amount
c Remainder. Subtract lines 4a and 4b from line 4.
5 Remaining underdistributions for years prior to 2024, if any. Subtract lines 3g and 4a from line 2. If the amount is greater than zero, explain in Part VI. See instructions.
6 Remaining underdistributions for 2024. Subtract lines 3h and 4b from line 1. If the amount is greater than zero, explain in Part VI. See instructions.
7 Excess distributions carryover to 2025. Add lines 3j and 4c.
8 Breakdown of line 7:
a Excess from 2020.....
b Excess from 2021.....
c Excess from 2022.....
d Excess from 2023.....
e Excess from 2024.....

Schedule A (Form 990) (2024)

Schedule A (Form 990) 2024

Page 8

Part VI

Supplemental Information. Provide the explanations required by Part II, line 10; Part II, line 17a or 17b; Part III, line 12; Part IV, Section A, lines 1, 2, 3b, 3c, 4b, 4c, 5a, 6, 9a, 9b, 9c, 11a, 11b, and 11c; Part IV, Section B, lines 1 and 2; Part IV, Section C, line 1; Part IV, Section D, lines 2 and 3; Part IV, Section E, lines 1c, 2a, 2b, 3a and 3b; Part V, line 1; Part V, Section B, line 1e; Part V Section D, lines 5, 6, and 8; and Part V, Section E, lines 2, 5, and 6. Also complete this part for any additional information. (See instructions).

Facts And Circumstances Test

Return Reference	Explanation

Schedule A (Form 990) 2024

Additional Data

Software ID:
Software Version:

- TIN:

Schedule B
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Schedule of Contributors

Attach to Form 990, 990-EZ, or 990-PF.

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Organization type (check one):

Filers of:

Section:

Form 990 or 990-EZ

501(c)( ) (enter number) organization

4947(a)(1) nonexempt charitable trust not treated as a private foundation

527 political organization

Form 990-PF

501(c)(3) exempt private foundation

4947(a)(1) nonexempt charitable trust treated as a private foundation

501(c)(3) taxable private foundation

Check if your organization is covered by the General Rule or a Special Rule.
Note: Only a section 501(c)(7), (8), or (10) organization can check boxes for both the General Rule and a Special Rule. See instructions.

General Rule

For an organization filing Form 990, 990-EZ, or 990-PF that received, during the year, contributions totaling $5,000 or more (in money or other property) from any one contributor. Complete Parts I and II. See instructions for determining a contributor's total contributions.

Special Rules

For an organization described in section 501(c)(3) filing Form 990 or 990-EZ that met the 33¹/3% support test of the regulations
under sections 509(a)(1) and 170(b)(1)(A)(vi), that checked Schedule A (Form 990 or 990-EZ), Part II, line 13, 16a, or 16b, and that received from any one contributor, during the year, total contributions of the greater of (1) $5,000 or (2) 2% of the amount on (i) Form 990, Part VIII, line 1h, or (ii) Form 990-EZ, line 1. Complete Parts I and II.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, total contributions of more than $1,000 exclusively for religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals. Complete Parts I, II, and III.

For an organization described in section 501(c)(7), (8), or (10) filing Form 990 or 990-EZ that received from any one contributor,
during the year, contributions exclusively for religious, charitable, etc., purposes, but no such contributions totaled more than $1,000. If this box is checked, enter here the total contributions that were received during the year for an exclusively religious, charitable, etc., purpose. Don't complete any of the parts unless the General Rule applies to this organization because it received nonexclusively religious, charitable, etc., contributions totaling $5,000 or more during the year ......... Right Arrow

Caution: An organization that isn't covered by the General Rule and/or the Special Rules doesn't file Schedule B (Form 990,
990-EZ, or 990-PF), but it must answer “No” on Part IV, line 2, of its Form 990; or check the box on line H of its Form 990-EZ
or on its Form 990PF, Part I, line 2, to certify that it doesn't meet the filing requirements of Schedule B (Form 990,
990-EZ, or 990-PF).

For Paperwork Reduction Act Notice, see the Instructions
for Form 990, 990-EZ, or 990-PF.

Cat. No. 30613XSchedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025) Page 2

Name of organization EDUCATIONAL CREDIT MANAGEMENT CORPORATION

Part I	Contributors (see instructions). Use duplicate copies of Part I if additional space is needed.
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
RESTRICTED	,	$ RESTRICTED	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
(a) No.	(b) Name, address, and ZIP + 4	(c) Total contributions	(d) Type of contribution
		$	Person Payroll Noncash (Complete Part II for noncash contributions.)
Schedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025)

Page 3

Name of organization EDUCATIONAL CREDIT MANAGEMENT CORPORATION		Employer identification number 41-1778617

Part II	Noncash Property (see instructions). Use duplicate copies of Part II if additional space is needed.
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
(a) No. from Part I	(b) Description of noncash property given	(c) FMV (or estimate) (See instructions)	(d) Date received
		$
Schedule B (Form 990) (Rev. 1-2025)

Schedule B (Form 990) (Rev. 1-2025)

Page 4


Name of organization EDUCATIONAL CREDIT MANAGEMENT CORPORATION			Employer identification number 41-1778617
Part III Exclusively religious, charitable, etc., contributions to organizations described in section 501(c) (7), (8), or (10) that total more than $1,000 for the year from any one contributor. Complete columns (a) through (e) and the following line entry. For organizations completing Part III, enter the total of exclusively religious, charitable, etc., contributions of $1,000 or less for the year. (Enter this information once. See instructions.) $ Use duplicate copies of Part III if additional space is needed.

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

(a)
No. from Part I

(b) Purpose of gift

(d) Description of how gift is held

(e) Transfer of gift
Transferee's name, address, and ZIP 4	Relationship of transferor to transferee

Schedule B (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE C
(Form 990)

Department of the Treasury
Internal Revenue Service

Political Campaign and Lobbying Activities

For Organizations Exempt From Income Tax Under section 501(c) and section 527

right arrow

Complete if the organization is described below. right arrow

Attach to Form 990 or Form 990-EZ.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

2024

Open to Public
Inspection

If the organization answered "Yes" on Form 990, Part IV, Line 3, or Form 990-EZ, Part V, line 46 (Political Campaign Activities), then
Round Bullet

Section 501(c)(3) organizations: Complete Parts I-A and B. Do not complete Part I-C.
Round Bullet

Section 501(c) (other than section 501(c)(3)) organizations: Complete Parts I-A and C below. Do not complete Part I-B.
Round Bullet

Section 527 organizations: Complete Part I-A only.
If the organization answered "Yes" on Form 990, Part IV, Line 4, or Form 990-EZ, Part VI, line 47 (Lobbying Activities), then
Round Bullet

Section 501(c)(3) organizations that have filed Form 5768 (election under section 501(h)): Complete Part II-A. Do not complete Part II-B.
Round Bullet

Section 501(c)(3) organizations that have NOT filed Form 5768 (election under section 501(h)): Complete Part II-B. Do not complete Part II-A.
If the organization answered "Yes" on Form 990, Part IV, Line 5 (Proxy Tax) (see separate instructions) or Form 990-EZ, Part V, line 35c (Proxy Tax) (see separate instructions), then
Round Bullet

Section 501(c)(4), (5), or (6) organizations: Complete Part III.

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I-A

Complete if the organization is exempt under section 501(c) or is a section 527 organization.

Provide a description of the organization’s direct and indirect political campaign activities in Part IV. See instructions for definition of “political campaign activities."

Political campaign activity expenditures. See instructions .................................................................... right arrow

Volunteer hours for political campaign activities. See instructions ..................................................................

Part I-B

Complete if the organization is exempt under section 501(c)(3).

Enter the amount of any excise tax incurred by the organization under section 4955 ................................ right arrow

Enter the amount of any excise tax incurred by organization managers under section 4955 ....................... right arrow

If the organization incurred a section 4955 tax, did it file Form 4720 for this year? .........................................

Yes No

Was a correction made? ......................................................................................................................

Yes No

If "Yes," describe in Part IV.

Part I-C

Complete if the organization is exempt under section 501(c), except section 501(c)(3).

Enter the amount directly expended by the filing organization for section 527 exempt function activities ..... right arrow

Enter the amount of the filing organization's funds contributed to other organizations for section 527 exempt function activities ............................................................................................................................ right arrow

Total exempt function expenditures. Add lines 1 and 2. Enter here and on Form 1120-POL, line 17b........... right arrow

Did the filing organization file Form 1120-POL for this year? ...................................................................

Yes No

Enter the names, addresses and employer identification number (EIN) of all section 527 political organizations to which the filing
organization made payments. For each organization listed, enter the amount paid from the filing organization’s funds. Also enter the amount of political contributions received that were promptly and directly delivered to a separate political organization, such as a separate segregated fund or a political action committee (PAC). If additional space is needed, provide information in Part IV.

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.
1
2
3
4
5
6

For Paperwork Reduction Act Notice, see the instructions for Form 990.

Cat. No. 50084S

Schedule C (Form 990) 2024

Page 2

Part II-A

Complete if the organization is exempt under section 501(c)(3) and filed Form 5768 (election under section 501(h)).

A Check right arrow

if the filing organization belongs to an affiliated group (and list in Part IV each affiliated group member's name, address, EIN, expenses, and share of excess lobbying expenditures).
B Check right arrow

if the filing organization checked box A and "limited control" provisions apply.

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................
d	Other exempt purpose expenditures ...............................................................................
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................	Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2021	(b) 2022	(c) 2023	(d) 2024	(e) Total

2a	Lobbying nontaxable amount

b	Lobbying ceiling amount (150% of line 2a, column(e))

c	Total lobbying expenditures

d	Grassroots nontaxable amount

e	Grassroots ceiling amount (150% of line 2d, column (e))

f	Grassroots lobbying expenditures

Schedule C (Form 990) 2024

Page 3

Part II-B

Complete if the organization is exempt under section 501(c)(3) and has NOT filed Form 5768 (election under section 501(h)).

For each "Yes" response on lines 1a through 1i below, provide in Part IV a detailed description of the lobbying activity.

(a)

Yes

(b)

Amount

During the year, did the filing organization attempt to influence foreign, national, state or local legislation, including any attempt to influence public opinion on a legislative matter or referendum, through the use of:

Volunteers? ...........................................................................................................

Paid staff or management (include compensation in expenses reported on lines 1c through 1i)? ........

Yes

Media advertisements? ...................................................................................................

Mailings to members, legislators, or the public? .............................................................................

Publications, or published or broadcast statements? ...........................................................

Grants to other organizations for lobbying purposes? ..........................................................

Direct contact with legislators, their staffs, government officials, or a legislative body? .......................

Yes

183,481

Rallies, demonstrations, seminars, conventions, speeches, lectures, or any similar means? ..................

Other activities? ...................................................................................................................

Total. Add lines 1c through 1i ....................................................................................................

183,481

Did the activities in line 1 cause the organization to be not described in section 501(c)(3)? .....

If "Yes," enter the amount of any tax incurred under section 4912 ...........................................

If "Yes," enter the amount of any tax incurred by organization managers under section 4912 ...................

If the filing organization incurred a section 4912 tax, did it file Form 4720 for this year? ........................

Part III-A

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6).

Yes

Were substantially all (90% or more) dues received nondeductible by members? ...............................................

Did the organization make only in-house lobbying expenditures of $2,000 or less? ............................................

Did the organization agree to carry over lobbying and political expenditures from the prior year? .................................

Part III-B

Complete if the organization is exempt under section 501(c)(4), section 501(c)(5), or section 501(c)(6) and if either (a) BOTH Part III-A, lines 1 and 2, are answered "No" OR (b) Part III-A, line 3, is answered “Yes."

Dues, assessments and similar amounts from members ......................................................................

Section 162(e) nondeductible lobbying and political expenditures (do not include amounts of political expenses for which the section 527(f) tax was paid).

Current year .............................................................................................................................

Carryover from last year ............................................................................................................

Total ...........................................................................................................................................

Aggregate amount reported in section 6033(e)(1)(A) notices of nondeductible section 162(e) dues .

If notices were sent and the amount on line 2c exceeds the amount on line 3, what portion of the excess does the organization agree to carryover to the reasonable estimate of nondeductible lobbying and political expenditure next year? ......................................................................................................................

Taxable amount of lobbying and political expenditures. See Instructions .........................................

Part IV

Supplemental Information

Provide the descriptions required for Part l-A, line 1; Part l-B, line 4; Part l-C, line 5; Part II-A (affiliated group list); Part II-A, lines 1 and 2 (see instructions), and Part ll-B, line 1. Also, complete this part for any additional information.

Return Reference	Explanation
PART II-B, LINE 1:	GENERAL LOBBYING ACTIVITIES ON LEGISLATIVE ISSUES OF RELEVANCE TO ECMC.

Schedule C (Form 990) 2024

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE D
(Form 990)

Department of the Treasury
Internal Revenue Service

Supplemental Financial Statements

Complete if the organization answered "Yes," on Form 990,
Part IV, line 6, 7, 8, 9, 10, 11a, 11b, 11c, 11d, 11e, 11f, 12a, or 12b.
right arrow

Attach to Form 990.
right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts. Complete if the organization answered "Yes" on Form 990, Part IV, line 6.

		(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate value of contributions to (during year)
3	Aggregate value of grants from (during year)
4	Aggregate value at end of year ........

Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds are the organization’s property, subject to the organization’s exclusive legal control? ............

Yes No

Did the organization inform all grantees, donors, and donor advisors in writing that grant funds can be used only for charitable purposes and not for the benefit of the donor or donor advisor, or for any other purpose conferring impermissible private benefit? ...................................

Yes No

Part II

Conservation Easements.
Complete if the organization answered "Yes" on Form 990, Part IV, line 7.

Purpose(s) of conservation easements held by the organization (check all that apply).

Preservation of land for public use (e.g., recreation or education) Preservation of an historically important land area

Protection of natural habitat Preservation of a certified historic structure

Preservation of open space

Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last day of the tax year.


a	Total number of conservation easements ......................	2a
b	Total acreage restricted by conservation easements ....................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after July 25, 2006, and not on a historic structure listed in the National Register ...	2d

Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the
tax year right arrow

Number of states where property subject to conservation easement is located right arrow

Does the organization have a written policy regarding the periodic monitoring, inspection, handling of violations, and enforcement of the conservation easements it holds? ............

Yes No

Staff and volunteer hours devoted to monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
right arrow

Amount of expenses incurred in monitoring, inspecting, handling of violations, and enforcing conservation easements during the year
right arrow

Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)(i) and section 170(h)(4)(B)(ii)? .............................

Yes No

In Part XIII, describe how the organization reports conservation easements in its revenue and expense statement, and
balance sheet, and include, if applicable, the text of the footnote to the organization’s financial statements that describes
the organization’s accounting for conservation easements.

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets.
Complete if the organization answered "Yes" on Form 990, Part IV, line 8.

If the organization elected, as permitted under FASB ASC 958, not to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide, in Part XIII, the text of the footnote to its financial statements that describes these items.

If the organization elected, as permitted under FASB ASC 958, to report in its revenue statement and balance sheet works of art, historical treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts relating to these items:

(i)

Revenue included on Form 990, Part VIII, line 1 ......................... right arrow

(ii)

Assets included in Form 990, Part X ............................... right arrow

If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide the
following amounts required to be reported under FASB ASC 958 relating to these items:

Revenue included on Form 990, Part VIII, line 1 .......................... right arrow

Assets included in Form 990, Part X ............................... right arrow

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 52283D

Schedule D (Form 990) (Rev. 1-2025)

Page 2

Part III

Organizations Maintaining Collections of Art, Historical Treasures, or Other Similar Assets (continued)

Using the organization’s acquisition, accession, and other records, check any of the following that are a significant use of its collection items (check all that apply):

Public exhibition

Loan or exchange programs

Scholarly research

Other

Preservation for future generations

Provide a description of the organization’s collections and explain how they further the organization’s exempt purpose in
Part XIII.

During the year, did the organization solicit or receive donations of art, historical treasures or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization’s collection?...

Yes No

Part IV

Escrow and Custodial Arrangements. Complete if the organization answered "Yes" on Form 990, Part IV, line 9, or reported an amount on Form 990, Part X, line 21.

Is the organization an agent, trustee, custodian or other intermediary for contributions or other assets not
included on Form 990, Part X? ....................................

Yes No


b	If "Yes," explain the arrangement in Part XIII and complete the following table:		Amount
c	Beginning balance .............................	1c
d	Additions during the year ............................	1d
e	Distributions during the year ..........................	1e
f	Ending balance ................................	1f

Did the organization include an amount on Form 990, Part X, line 21, for escrow or custodial account liability? ...

Yes No

If "Yes," explain the arrangement in Part XIII. Check here if the explanation has been provided in Part XIII ....

Part V

Endowment Funds.
Complete if the organization answered "Yes" on Form 990, Part IV, line 10.

		(a) Current year	(b) Prior year	(c) Two years back	(d) Three years back	(e) Four years back

1a	Beginning of year balance ....	3,472,000	3,520,000	3,486,000	3,216,000	3,614,000
b	Contributions ...	808,000	494,000	664,000	964,000
c	Net investment earnings, gains, and losses
d	Grants or scholarships ...	634,000	542,000	630,000	694,000	398,000
e	Other expenditures for facilities and programs ...
f	Administrative expenses ....
g	End of year balance ......	3,646,000	3,472,000	3,520,000	3,486,000	3,216,000

Provide the estimated percentage of the current year end balance (line 1g, column (a)) held as:

Board designated or quasi-endowment right arrow

100.000 %

Permanent endowment right arrow

0 %

Term endowment right arrow

0 %

The percentages on lines 2a, 2b, and 2c should equal 100%.

Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:

Yes

(i) Unrelated organizations .................

3a(i)

(ii) Related organizations .................

3a(ii)

If "Yes" on 3a(ii), are the related organizations listed as required on Schedule R? .........

Describe in Part XIII the intended uses of the organization's endowment funds.

Part VI

Land, Buildings, and Equipment.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11a. See Form 990, Part X, line 10.

Description of property		(a) Cost or other basis (investment)	(b) Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value

1a	Land .....
b	Buildings ....
c	Leasehold improvements	68,459	45,819	22,640
d	Equipment ....
e	Other .....
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).)..				22,640

Schedule D (Form 990) (Rev. 1-2025)

Page 3

Part VII

Investments - Other Securities.
Complete if the organization answered "Yes" on Form 990, Part IV, line 11b. See Form 990, Part X, line 12.

(a) Description of security or category (including name of security)	(b) Book value	(c) Method of valuation: Cost or end-of-year market value
(1) Financial derivatives.........
(2) Closely-held equity interests........
(3)Other
(A)
(B)
(C)
(D)
(E)
(F)
(G)
(H)
Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

Part VIII

Investments - Program Related. Complete if the organization answered 'Yes' on Form 990, Part IV, line 11c. See Form 990, Part X, line 13.

(a) Description of investment	(b) Book value	(c) Method of valuation: Cost or end-of-year market value

(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 13.)

Part IX

Other Assets.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11d. See Form 990, Part X, line 15.

(a) Description				(b) Book value
(1)CUSTODIAL ASSETS HELD FOR GUARANTOR FEDERAL RESERVE				46,192,531
(2)CUSTODIAL ASSETS HELD FOR FEDERAL SERVICES BUREAU				103,788,531
(3)DUE FROM FEDERAL SERVICES BUREAU				2,611,420
(4)RIGHT OF USE ASSET				99,939
(5)DUE FROM ECMC EDUCATION, INC.				1
(6)DUE FROM ECMC HOLDINGS CORPORATION				18
(7)DUE FROM GUARANTOR FEDERAL RESERVE				8,489
(7)
(8)
(9)
Total. (Column (b) must equal Form 990, Part X, col.(B) line 15.)...........				152,700,929

Part X

Other Liabilities.
Complete if the organization answered 'Yes' on Form 990, Part IV, line 11e or 11f. See Form 990, Part X, line 25.

1.(a) Description of liability	(b) Book value
(1) Federal income taxes
OBLIGATIONS TO GUARANTOR FEDERAL RESERVE	46,192,531
OBLIGATIONS TO FEDERAL SERVICES BUREAU	103,788,531
DUE TO ECMC SHARED SERVICES COMPANY, LLC	5,225,626
LEASE LIABILITIES	99,939
DUE TO ECMC GROUP, INC.	1,042,490




Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)	156,349,117
2. Liability for uncertain tax positions. In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII

Schedule D (Form 990) (Rev. 1-2025)

Page 4

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......			1	201,693,030
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains (losses) on investments ....	2a
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ...........	2d	2,000
e	Add lines 2a through 2d .....................			2e	2,000
3	Subtract line 2e from line 1..................			3	201,691,030
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIII.) ...........	4b	63,307,826
c	Add lines 4a and 4b....................			4c	63,307,826
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......			5	264,998,856

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' on Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........			1	82,002,441
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities .........	2a
b	Prior year adjustments ............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ...........	2d
e	Add lines 2a through 2d....................			2e	0
3	Subtract line 2e from line 1...................			3	82,002,441
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIII.) ...........	4b	179,588,826
c	Add lines 4a and 4b.....................			4c	179,588,826
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......			5	261,591,267

Part XIII

Supplemental Information

Provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1a and 4; Part lV, lines 1b and 2b; Part V, line 4; Part X, line 2; Part XI, lines 2d and 4b; and Part XII, lines 2d and 4b. Also complete this part to provide any additional information.

Return Reference	Explanation
PART IV, LINE 2B:	ECMC IS UNDER CONTRACT TO SERVICE THE LOAN PORTFOLIO OF THIRD-PARTY GUARANTY AGENCIES. PORTFOLIO SERVICING ACTIVITIES INCLUDE LOAN CONVERSION ACTIVITIES, DEFAULT AVERSION, BORROWER UPDATES, CUSTOMER SERVICE, PAYMENT PROCESSING, DUE DILIGENCE PROCEDURES AND CLAIM PROCESSING. ASSOCIATED WITH SOME OF THESE ACTIVITIES, ECMC HOLDS FUNDS ON BEHALF OF OTHERS THAT INCLUDE DEPOSITS FOR BORROWERS TO BE APPLIED TO BORROWER ACCOUNTS AT SOME FUTURE TIME. ALL RECORDKEEPING FUNCTIONS FOR THE FUNDS ARE PERFORMED BY ECMC.
PART V, LINE 4:	ECMC HAD NET ASSETS WITH DONOR RESTRICTIONS OF $3,646,000 AT DECEMBER 31, 2024 FOR GRANTS ASSOCIATED WITH THE ECMC SCHOLARS PROGRAM THAT WILL BE RELEASED UPON THE OCCURRENCE OF CANDIDATES MEETING CERTAIN PROGRAM REQUIREMENTS. THE ECMC SCHOLARS PROGRAM IS A TWO-YEAR MENTORING PROGRAM AVAILABLE TO HIGH SCHOOL STUDENTS IN CONNECTICUT, OREGON AND VIRGINIA. THE PROGRAM IS DESIGNED FOR HIGH SCHOOL JUNIORS AND SENIORS TO HELP THEM BUILD ACADEMIC AND LIFE SKILLS. STUDENTS SELECTED TO PARTICIPATE IN THE ECMC SCHOLARS PROGRAM, AND COMPLETE THE PROGRAM, EARN GRANTS OF UP TO $4,000 AND $2,000 TO BE USED FOR THEIR FIRST AND SECOND YEARS, RESPECTIVELY, OF ENROLLMENT IN A DEGREE OR CERTIFICATE PROGRAM AT AN ACCREDITED COLLEGE, UNIVERSITY, OR CAREER AND TECHNICAL EDUCATION INSTITUTION.
PART X, LINE 2:	ECMC IS EXEMPT FROM TAX ON RELATED INCOME UNDER SECTION 501(C)(3) AND QUALIFIES AS A PUBLIC CHARITY UNDER SECTION 509(A)(2) OF THE INTERNAL REVENUE CODE. ECMC IS ALSO EXEMPT FROM STATE INCOME TAX. HOWEVER, ANY UNRELATED BUSINESS INCOME MAY BE SUBJECT TO TAXATION. ECMC FOLLOWS THE ACCOUNTING STANDARDS FOR CONTINGENCIES IN EVALUATING UNCERTAIN TAX POSITIONS. THIS GUIDANCE PRESCRIBES RECOGNITION THRESHOLD PRINCIPLES FOR THE FINANCIAL STATEMENT RECOGNITION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN ON A TAX RETURN THAT ARE NOT CERTAIN TO BE REALIZED. NO LIABILITY HAS BEEN RECOGNIZED BY ECMC FOR UNCERTAIN TAX POSITIONS AS OF DECEMBER 31, 2024 AND 2023. ECMC'S TAX RETURNS ARE SUBJECT TO REVIEW AND EXAMINATION BY FEDERAL AND STATE AUTHORITIES.
PART XI, LINE 2D - OTHER ADJUSTMENTS:	CANCELED/REFUNDED GRANTS AWARDED IN PRIOR YEARS ON ECMC'S BOOKS 2,000.
PART XI, LINE 4B - OTHER ADJUSTMENTS:	BANKRUPTCY SERVICING 50,544,455. PROJECT SUCCESS EXPENSES NOT REIMBURSED 152,371. CONTRIBUTIONS FROM ECMC GROUP, INC. 12,611,000.
PART XII, LINE 4B - OTHER ADJUSTMENTS:	DISTRIBUTION TO ECMC GROUP, INC 128,892,000. BANKRUPTCY SERVICING 50,544,455. PROJECT SUCCESS EXPENSES NOT REIMBURSED 152,371.

Schedule D (Form 990) (Rev. 1-2025)

Additional Data

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SCHEDULE F(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Statement of Activities Outside the United States

Complete if the organization answered "Yes" to Form 990, Part IV, line 14b, 15, or 16. Right arrow

Attach to Form 990. Right arrow

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization
EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

General Information on Activities Outside the United States. Complete if the organization answered "Yes" on Form 990, Part IV, line 14b.

For grantmakers. Does the organization maintain records to substantiate the amount of its grants and

other assistance, the grantees’ eligibility for the grants or assistance, and the selection criteria used

to award the grants or assistance? . . . . . . . . . . . . . . . . . . . . . . . . .

Yes

For grantmakers. Describe in Part V the organization’s procedures for monitoring the use of its grants and other assistance outside the United States.

Activites per Region. (The following Part I, line 3 table can be duplicated if additional space is needed.)

(a) Region		(b) Number of offices in the region	(c) Number of employees, agents, and independent contractors in the region	(d) Activities conducted in region (by type) (such as, fundraising, program services, investments, grants to recipients located in the region)	(f) Total expenditures for and investments in the region
	EAST ASIA AND THE PACIFIC	0	0	GRANTS TO SCHOOLS	67,000
















3a	Sub-total ....	0	0		67,000
b	Total from continuation sheets to Part I ...	0	0		0
c	Totals (add lines 3a and 3b)	0	0		67,000

For Paperwork Reduction Act Notice, see the Instructions for Form 990.Cat. No. 50082W Schedule F (Form 990) (Rev. 1-2025)

Schedule F (Form 990) (Rev. 1-2025)

Page 2

Part II

Grants and Other Assistance to Organizations or Entities Outside the United States. Complete if the organization answered "Yes" on Form 990, Part IV, line 15, for any recipient who received more than $5,000. Part II can be duplicated if additional space is needed.

(c) Region	(d) Purpose of grant	(e) Amount of cash grant	(f) Manner of cash disbursement	(g) Amount of noncash assistance
EAST ASIA AND THE PACIFIC	FAFSA STUDENT SUPPORT	49,065	ACH DEPOSIT	0
EAST ASIA AND THE PACIFIC	FAFSA STUDENT SUPPORT	17,715	ACH DEPOSIT	0

2	Enter total number of recipient organizations listed above that are recognized as charities by the foreign country, recognized as tax-exempt by the IRS, or for which the grantee or counsel has provided a section 501(c)(3) equivalency letter .......	0
3	Enter total number of other organizations or entities .......................	2

Schedule F (Form 990) (Rev. 1-2025)

Schedule F (Form 990) (Rev. 1-2025)Page 3

Part III

Grants and Other Assistance to Individuals Outside the United States. Complete if the organization answered "Yes" on Form 990, Part IV, line 16.

Part III can be duplicated if additional space is needed.

(a) Type of grant or assistance		(b) Region	(c) Number of recipients	(d) Amount of cash grant	(e) Manner of cash disbursement	(f) Amount of noncash assistance	(g) Description of noncash assistance	(h) Method of valuation (book, FMV, appraisal, other)

Schedule F (Form 990) (Rev. 1-2025)

Page 4

Part IV

Foreign Forms

Schedule F (Form 990) (Rev. 1-2025)

Page 5

Part V

Supplemental Information
Provide the information required by Part I, line 2 (monitoring of funds); Part I, line 3, column (f) (accounting method; amounts of investments vs. expenditures per region); Part II, line 1 (accounting method); Part III (accounting method); and Part III, column (c) (estimated number of recipients), as applicable. Also complete this part to provide any additional information. See instructions.

ReturnReference	Explanation
PART I, LINE 2:	ECMC EXERCISED EXPENDITURE RESPONSIBILITY FOR FAFSA STUDENT SUCCESS AWARDS. AWARD WINNERS (SCHOOLS OF FOREIGN GOVERNMENTS) WERE REQUIRED TO PROVIDE ECMC WITH INTERIM MONTHLY PROGRESS REPORTS AND A FINAL CUMULATIVE WRITTEN REPORT.
PART I, LINE 3:	ACCRUAL

Schedule F (Form 990) (Rev. 1-2025)

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Note: To capture the full content of this document, please select landscape mode (11" x 8.5") when printing.

Schedule I
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Grants and Other Assistance to Organizations,
Governments and Individuals in the United States

Complete if the organization answered "Yes," on Form 990, Part IV, line 21 or 22.
lBullet

Attach to Form 990.
lBullet

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization
EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number
41-1778617

Part I

General Information on Grants and Assistance

Does the organization maintain records to substantiate the amount of the grants or assistance, the grantees' eligibility for the grants or assistance, and
the selection criteria used to award the grants or assistance? ........................

Yes No

Describe in Part IV the organization's procedures for monitoring the use of grant funds in the United States.

Part II

Grants and Other Assistance to Domestic Organizations and Domestic Governments. Complete if the organization answered "Yes" on Form 990, Part IV, line 21, for any recipient

that received more than $5,000. Part II can be duplicated if additional space is needed.

(a) Name and address of organization or government	(b) EIN	(c) IRC section (if applicable)	(d) Amount of cash grant	(h) Purpose of grant or assistance
(1) PONTIFICAL CATHOLIC UNIV OF PUERTO RICO 2250 BLVD LUIS A FERRE AGUAYO STE 523 PONCE 00717 RQ	66-0191965	501(C)(3)	112,014	PROJECT SUCCESS, FAFSA STUDENT SUPPORT
(2) LANE COLLEGE 545 LANE AVE JACKSON,TN38301	62-0570060	501(C)(3)	128,283	PROJECT SUCCESS, FAFSA STUDENT SUPPORT
(3) UNIVERSIDAD DEL SAGRADO CORAZON PO BOX 12383 SAN JUAN 00914 RQ	66-0207156	501(C)(3)	47,201	PROJECT SUCCESS, FAFSA STUDENT SUPPORT
(4) CENTRAL CAROLINA TECHNICAL COLLEGE 506 N GUIGNARD DR SUMTER,SC29150	57-0425905	STATE SCHOOL	10,000	PROJECT SUCCESS
(5) ORANGEBURG-CALHOUN TECHNICAL COLLEGE 3250 ST MATTHEWS RD ORANGEBURG,SC29118	57-0481987	STATE SCHOOL	7,500	PROJECT SUCCESS
(6) UNIVERSIDAD DE PUERTO RICO-COLEGIO BAYAMON 170 CARR 174 MINILLAS INDUSTRIAL PARK BAYAMON 00959 RQ	66-0560805	STATE SCHOOL	25,000	PROJECT SUCCESS
(7) UNIVERSIDAD DE PUERTO RICO EN ARECIBO CARR 653 KM 08 BO LAS DUNAS ARECIBO 00614 RQ	66-0560806	STATE SCHOOL	10,000	PROJECT SUCCESS
(8) UNIVERSIDAD CENTRAL DE BAYAMON INC PO BOX 1725 BAYAMON 00960 RQ	66-0259904	501(C)(3)	7,500	PROJECT SUCCESS
(9) BOWIE STATE UNIVERSITY FOUNDATION 14000 JERICHO PARK RD BOWIE,MD20715	52-0952758	501(C)(3)	20,000	PROJECT SUCCESS
(10) HAMPTON UNIVERSITY 100 E QUEEN ST HAMPTON,VA23668	54-0505990	501(C)(3)	10,000	PROJECT SUCCESS
(11) NORTH CAROLINA WESLEYAN COLLEGE INC 3400 N WESLEYAN BLVD ROCKY MOUNT,NC27804	56-0686603	501(C)(3)	10,000	PROJECT SUCCESS
(12) TRITON COLLEGE 2000 5TH AVE RM G-220 RIVER GROVE,IL60171	36-2537114	STATE SCHOOL	20,000	PROJECT SUCCESS
(13) CITY COLLEGES OF CHICAGO 6301 S HALSTED ST CHICAGO,IL60621	36-2606236	STATE SCHOOL	22,664	PROJECT SUCCESS
(14) FAYETTEVILLE TECH COMMUNITY COLLEGE FOUNDATION INC 2201 HULL RD FAYETTEVILLE,NC28303	58-1640133	501(C)(3)	25,000	PROJECT SUCCESS
(15) ALLEN UNIVERSITY 1530 HARDEN ST COLUMBIA,SC29204	57-0341191	501(C)(3)	10,000	PROJECT SUCCESS
(16) ELIZABETH CITY STATE UNIVERSITY FOUNDATION 1704 WEEKSVILLE RD ELIZABETH CITY,NC27909	23-7115345	501(C)(3)	10,000	PROJECT SUCCESS
(17) PERALTA COMMUNITY COLLEGE DISTRICT 555 RALPH APPEZZATO MEMORIAL PKWY ALAMEDA,CA94501	94-1590799	STATE SCHOOL	20,000	PROJECT SUCCESS
(18) WESTERN NEW MEXICO UNIVERSITY 1000 W COLLEGE AVE PO BOX 680 SILVER CITY,NM88062	85-6000543	STATE SCHOOL	10,000	PROJECT SUCCESS
(19) SISTEMA UNIVERSITARIO ANA G MENDEZ 1339 ANA G MENDEZ AVE SAN JUAN 00928 RQ	66-0201206	501(C)(3)	30,000	PROJECT SUCCESS
(20) SAN DIEGO COMMUNITY COLLEGE DISTRICT 1313 PARK BLVD SAN DIEGO,CA92101	95-2644299	STATE SCHOOL	10,000	PROJECT SUCCESS
(21) UNIVERSITY OF DC FOUNDATION 4200 CONNECTICUT AVE NW WASHINGTON,DC20008	52-1152624	501(C)(3)	10,000	PROJECT SUCCESS
(22) LIVINGSTONE COLLEGE 701 W MONROE ST SALISBURY,NC28144	56-0603922	501(C)(3)	17,500	OUTREACH & FINANCIAL LITERACY, PROJECT SUCCESS
(23) LOS ANGELES CITY COLLEGE FOUNDATION 855 N VERMONT AVE LOS ANGELES,CA90029	95-6207819	501(C)(3)	20,000	OUTREACH & FINANCIAL LITERACY, PROJECT SUCCESS
(24) NEW MEXICO STATE UNIVERSITY PO BOX 30001 MSC-4570 LAS CRUCES,NM88003	85-6000401	STATE SCHOOL	30,000	OUTREACH & FINANCIAL LITERACY, PROJECT SUCCESS
(25) EDQUITY INC 44 COURT ST 1217-1061 BROOKYLN,NY11201	81-4521518		787,213	OUTREACH & FINANCIAL LITERACY, PROJECT SUCCESS
(26) MAPPING YOUR FUTURE INC PO BOX 1017 LAKE DALLAS,TX75065	46-0458615	501(C)(3)	72,000	OUTREACH & FINANCIAL LITERACY, FAFSA STUDENT SUPPORT
(27) LENOIR COMMUNITY COLLEGE FOUNDATION PO BOX 188 KINSTON,NC28502	56-1055936	501(C)(3)	10,000	OUTREACH & FINANCIAL LITERACY
(28) GUILFORD TECHNICAL COMMUNITY COLLEGE PO BOX 309 JAMESTOWN,NC27282	56-0792519	STATE SCHOOL	20,000	OUTREACH & FINANCIAL LITERACY
(29) ECMC GROUP INC 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401	41-1991995	501(C)(3)	128,892,000	GENERAL SUPPORT
(30) LEMOYNE OWEN COLLEGE 807 WALKER AVE MEMPHIS,TN38126	62-0475690	501(C)(3)	16,932	FAFSA STUDENT SUPPORT
(31) FOUNDATION FOR THE CAROLINAS 220 NORTH TRYON ST CHARLOTTE,NC28202	56-6047886	501(C)(3)	110,000	FAFSA STUDENT SUPPORT
(32) FOUNDATION FOR TACOMA STUDENTS 919 S 9TH ST TACOMA,WA98405	27-3029219	501(C)(3)	23,578	FAFSA STUDENT SUPPORT
(33) LATINO EDUCATION ADVANCEMENT FOUNDATION 1550 THE ALAMEDA STE 206 SAN JOSE,CA95126	82-3057074	501(C)(3)	60,000	FAFSA STUDENT SUPPORT
(34) FOUNDATION FOR CALIFORNIA COMMUNITY COLLEGES 1102 Q ST STE 4800 SACRAMENTO,CA95811	68-0412350	501(C)(3)	145,990	FAFSA STUDENT SUPPORT
(35) FOUNDATION FOR ART & HEALTH 4990 SADLER PL 2594 GLEN ALLEN,VA23060	84-2053830	501(C)(3)	5,951	FAFSA STUDENT SUPPORT
(36) FOUNDATION COMMUNITIES INC 3000 S IH35 FRONTAGE RD STE 300 AUSTIN,TX78704	74-2563260	501(C)(3)	40,656	FAFSA STUDENT SUPPORT
(37) FOCUS ON THE DREAM 176 BAY HILL LN MAGNOLIA,DE19962	86-1500057	501(C)(3)	75,000	FAFSA STUDENT SUPPORT
(38) FINANCE AUTHORITY OF MAINE (FAME) 5 COMMUNITY DR AUGUSTA,ME04332	01-0392006	GOV'T	188,372	FAFSA STUDENT SUPPORT
(39) FEDERATION OF NEIGHBORHOOD CENTERS 1901 S 9TH ST BOK RM 212 PHILADELPHIA,PA19148	23-1630073	501(C)(3)	51,000	FAFSA STUDENT SUPPORT
(40) LEADMN 1515 S ROBERT ST WEST ST PAUL,MN55118	41-1804559	501(C)(3)	25,000	FAFSA STUDENT SUPPORT
(41) EVOLVE502 515 W MARKET ST LOUISVILLE,KY40202	83-1877240	501(C)(3)	7,500	FAFSA STUDENT SUPPORT
(42) IMENTOR 199 WATER ST 8TH FL NEW YORK,NY10038	30-0105507	501(C)(3)	33,500	FAFSA STUDENT SUPPORT
(43) FUTURES IGNITE INC 5030 BROADWAY STE 618 NEW YORK,NY10034	42-1775449	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(44) EDWARD WATERS UNIVERSITY 1658 KINGS RD JACKSONVILLE,FL32209	59-1146751	501(C)(3)	31,677	FAFSA STUDENT SUPPORT
(45) LOUISIANA EDUCATION LOAN AUTHORITY 2237 S ACADIAN THRUWAY STE 650 BATON ROUGE,LA70808	72-0895871	GOV'T	56,555	FAFSA STUDENT SUPPORT
(46) EDU-FUTURO 2110 WASHINGTON BLVD 3RD FL ARLINGTON,VA22204	54-1914671	501(C)(3)	119,953	FAFSA STUDENT SUPPORT
(47) EDUCATION SERVICE DISTRICT 105 33 S 2ND AVE YAKIMA,WA98902	91-0948131	GOV'T	48,717	FAFSA STUDENT SUPPORT
(48) EDUCATION IS FREEDOM FOUNDATION 3000 PEGASUS PARK DR STE 704 DALLAS,TX75247	04-3643313	501(C)(3)	98,375	FAFSA STUDENT SUPPORT
(49) LOUISIANA OFFICE OF STUDENT FINANCIAL ASSISTANCE 602 N 5TH ST BATON ROUGE,LA70802	36-4841195	GOV'T	64,978	FAFSA STUDENT SUPPORT
(50) EDUCATION IS FOREVER 12859 MOORSHIRE DR CERRITOS,CA90703	83-1776293	501(C)(3)	35,000	FAFSA STUDENT SUPPORT
(51) EDUCATION FOUNDATION OF SARASOTA COUNTY 1960 LANDINGS BLVD STE 120 SARASOTA,FL34231	59-2320858	501(C)(3)	40,000	FAFSA STUDENT SUPPORT
(52) EDUCACION FOR ALL 7520 NW 104TH AVE STE A103 PMB 4399 DORAL,FL33178	93-4420184	501(C)(3)	48,000	FAFSA STUDENT SUPPORT
(53) LYNCHBURG BEACON OF HOPE 2600 MEMORIAL AVE STE 106-108 LYNCHBURG,VA24501	45-3797831	501(C)(3)	71,240	FAFSA STUDENT SUPPORT
(54) MAINE COMMUNITY COLLEGE SYSTEM 323 STATE ST AUGUSTA,ME04330	01-0416015	STATE SCHOOL	76,455	FAFSA STUDENT SUPPORT
(55) FULFILLMENT FUND 1150 S OLIVE ST STE 2050 LOS ANGELES,CA90015	95-3180934	501(C)(3)	182,016	FAFSA STUDENT SUPPORT
(56) GODDARD RIVERSIDE COMMUNITY CENTER 593 COLUMBUS AVE NEW YORK,NY10024	13-1893908	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(57) INVESTED 301 LPENNSYLVANIA PKWY STE 360 INDIANAPOLIS,IN46280	31-0995844	501(C)(3)	105,000	FAFSA STUDENT SUPPORT
(58) HEART OF LOS ANGELES YOUTH INC 2701 WILSHIRE BLVD STE 100 LOS ANGELES,CA90057	95-4397418	501(C)(3)	20,000	FAFSA STUDENT SUPPORT
(59) IOWA COLLEGE ACCESS NETWORK 1770 BOYSON RD HIAWATHA,IA52233	27-0915418	501(C)(3)	182,580	FAFSA STUDENT SUPPORT
(60) JACKSONVILLE STATE UNIVERSITY 700 PELHAM ROAD N JACKSONVILLE,AL36265	63-6001099	STATE SCHOOL	85,100	FAFSA STUDENT SUPPORT
(61) KANSAS BOARD OF REGENTS 1000 SW JACKSON STE 520 TOPEKA,KS66612	48-1124839	GOV'T	46,998	FAFSA STUDENT SUPPORT
(62) ILLINOIS STUDENT ASSISTANCE COMMISSION 1755 LAKE COOK RD DEERFIELD,IL60015	52-1752528	GOV'T	914,258	FAFSA STUDENT SUPPORT
(63) IDAHO STATE BOARD OF EDUCATION 650 W STATE ST RM 307 BOISE,ID83702	82-6000952	GOV'T	203,537	FAFSA STUDENT SUPPORT
(64) KENTUCKY ASSOCIATION OF EDUCATIONAL OPPORTUNITY PROGRAM PERSONNEL 521 LANCASTER AVE RICHMOND,KY40475	31-1118788	501(C)(3)	30,000	FAFSA STUDENT SUPPORT
(65) I KNOW I CAN 215 N FRONT ST STE 200 COLUMBUS,OH43215	31-1229135	501(C)(3)	200,100	FAFSA STUDENT SUPPORT
(66) KENTUCKY HIGHER EDUCATION ASSISTANCE AUTHORITY 100 AIRPORT RD FRANKFORT,KY40601	61-0600439	GOV'T	777,104	FAFSA STUDENT SUPPORT
(67) HUSTON-TILLOTSON UNIVERSITY 900 CHICON ST AUSTIN,TX78702	74-1180151	501(C)(3)	141,500	FAFSA STUDENT SUPPORT
(68) HIGHLINE SCHOOL FOUNDATION FOR EXCELLENCE 15675 AMBAUM BLVD SW BURIEN,WA98166	91-2020506	501(C)(3)	15,000	FAFSA STUDENT SUPPORT
(69) HIGHER HEIGHTS YOUTH EMPOWERMENT PROGRAMS 157 CHURCH ST 19TH FL NEW HAVEN,CT06510	83-0424360	501(C)(3)	158,033	FAFSA STUDENT SUPPORT
(70) HANDS TO THE FUTURE 8581 EAST 21ST AVE DENVER,CO80238	85-2741553	501(C)(3)	13,613	FAFSA STUDENT SUPPORT
(71) GRANITE EDVANCE 3 BARRELL CT CONCORD,NH03301	02-0368776	501(C)(3)	506,652	FAFSA STUDENT SUPPORT
(72) EAST GEORGIA STATE COLLEGE FOUNDATION INC 131 COLLEGE CIR SWAINSBORO,GA30401	58-1318200	501(C)(3)	25,390	FAFSA STUDENT SUPPORT
(73) KERN COMMUNITY COLLEGE DISTRICT 2100 CHESTER AVE BAKERSFIELD,CA93301	95-6006644	501(C)(3)	44,994	FAFSA STUDENT SUPPORT
(74) KIPP ADMINISTRATIVE SERVICES CORPORATION 5070 PARKSIDE AVE STE 3500D PHILADELPHIA,PA19131	45-2384209	501(C)(3)	10,000	FAFSA STUDENT SUPPORT
(75) KIPP SOCAL PUBLIC SCHOOLS 3601 E 1ST ST LOS ANGELES,CA90063	26-1607268	501(C)(3)	14,598	FAFSA STUDENT SUPPORT
(76) GUAM COMMUNITY COLLEGE PO BOX 23069 BARRIGADA,GU96921	98-0040312	STATE SCHOOL	48,905	FAFSA STUDENT SUPPORT
(77) GROWING INLAND ACHIEVEMENT INC 33562 YUCAIPA BLVD STE 4-209 YUCAIPA,CA92399	85-1010439	501(C)(3)	234,840	FAFSA STUDENT SUPPORT
(78) GREENSBORO COLLEGE 815 W MARKET ST GREENSBORO,NC27401	56-0532144	501(C)(3)	18,671	FAFSA STUDENT SUPPORT
(79) LAKE GEAUGA EDUCATIONAL ASSISTANCE FOUNDATION 7700 CLOCKTOWER DR C-2048 KIRTLAND,OH44094	34-1640416	501(C)(3)	10,500	FAFSA STUDENT SUPPORT
(80) GREEN DOT PUBLIC SCHOOLS CALIFORNIA 1149 SOUTH HILL ST 600 LOS ANGELES,CA90015	95-4679811	501(C)(3)	56,453	FAFSA STUDENT SUPPORT
(81) GREAT ASPIRATIONS SCHOLARSHIP PROGRAM INC 2821 EMERYWOOD PKWY STE 204 RICHMOND,VA23294	52-1277427	501(C)(3)	25,000	FAFSA STUDENT SUPPORT
(82) GRANT AFRICAN METHODIST EPISCOPAL CHURCH 10435 S CENTRAL AVE LOS ANGELES,CA90002	95-2565815	501(C)(3)	25,000	FAFSA STUDENT SUPPORT
(83) EAST LOS ANGELES COLLEGE FOUNDATION 1301 AVENIDA CESAR CHAVEZ MONTEREY PARK,CA91754	33-0034221	501(C)(3)	11,000	FAFSA STUDENT SUPPORT
(84) YOUTH 2 LEADERS EDUCATION FOUNDATION 1701 WESTWIND DR STE 116 BAKERSFIELD,CA93305	77-0398516	501(C)(3)	68,885	FAFSA STUDENT SUPPORT
(85) DUET INC 50 MILK ST BOSTON,MA02109	32-0568985	501(C)(3)	27,830	FAFSA STUDENT SUPPORT
(86) BRIGHTPOINT COMMUNITY COLLEGE 13101 ROUTE 1 CHESTER,VA23831	54-1268277	STATE SCHOOL	27,512	FAFSA STUDENT SUPPORT
(87) BIG BROTHERS BIG SISTERS OF CENTRAL MASS AND METROWEST 18 CHESTNUT ST STE 340 WORCESTER,MA01608	04-2317926	501(C)(3)	23,905	FAFSA STUDENT SUPPORT
(88) BIG BROTHERS BIG SISTERS OF EAST TENNESSEE 1100 MARION ST STE 100 KNOXVILLE,TN37921	62-0842531	501(C)(3)	10,000	FAFSA STUDENT SUPPORT
(89) BIG BROTHERS BIG SISTERS OF NORTHEAST ALABAMA 801 EAST BROAD ST GADSDEN,AL35903	63-0847018	501(C)(3)	7,000	FAFSA STUDENT SUPPORT
(90) BIG BROTHERS BIG SISTERS OF ORANGE COUNTY 1801 E EDINGER AVE STE 101 SANTA ANA,CA92705	95-1992702	501(C)(3)	30,998	FAFSA STUDENT SUPPORT
(91) BOARD OF REGENTS NEVADA SYSTEM OF HIGHER EDUCATION 2601 ENTERPRISE RD RENO,NV89512	88-6000024	501(C)(3)	19,813	FAFSA STUDENT SUPPORT
(92) BOTTOM LINE INC 50 MILK ST FL 16 BOSTON,MA02109	04-3351427	501(C)(3)	85,000	FAFSA STUDENT SUPPORT
(93) BROWARD COLLEGE 1000 COCONUT CREEK BLVD COCONUT CREEK,FL33066	59-1216107	STATE SCHOOL	79,929	FAFSA STUDENT SUPPORT
(94) AUSTIN ED FUND 4000 S IH35 FRONTAGE RD AUSTIN,TX78704	74-2654168	501(C)(3)	15,391	FAFSA STUDENT SUPPORT
(95) BROWARD EDUCATION FOUNDATION 600 SE 3RD AVE FORT LAUDERDALE,FL33301	59-2359433	501(C)(3)	230,000	FAFSA STUDENT SUPPORT
(96) BUREAU OF IOWA COLLEGE AID 400 E 14TH ST DES MOINES,IA50319	90-0743434	GOV'T	237,730	FAFSA STUDENT SUPPORT
(97) CARMEN HIGH SCHOOL OF SCIENCE AND TECHNOLOGY 1501 S LAYTON BLVD MILWAUKEE,WI53215	56-2569203	501(C)(3)	7,297	FAFSA STUDENT SUPPORT
(98) CENTER FOR COMPANIES THAT CARE 2150 S CANALPORT AVE STE 3A-13 CHICAGO,IL60608	33-1010542	501(C)(3)	16,000	FAFSA STUDENT SUPPORT
(99) CENTRAL ALABAMA COMMUNITY COLLEGE 1675 CHEROKEE RD ALEXANDER CITY,AL35010	63-1022757	STATE SCHOOL	21,148	FAFSA STUDENT SUPPORT
(100) CENTRAL VALLEY SCHOLARS 710 VAN NESS AVE 141 FRESNO,CA93712	84-1996995	501(C)(3)	92,117	FAFSA STUDENT SUPPORT
(101) BENEDICT COLLEGE 1600 HARDEN ST COLUMBIA,SC29204	57-0314365	501(C)(3)	110,000	FAFSA STUDENT SUPPORT
(102) AURORA PUBLIC SCHOOLS 15701 E 1ST AVE STE 106 AURORA,CO80011	84-6000870	SCHOOL DISTRICT	6,721	FAFSA STUDENT SUPPORT
(103) DETROIT REGIONAL DOLLARS FOR SCHOLARS 100 RENAISSANCE CENTER PO BOX 43105 DETROIT,MI48243	46-5180614	501(C)(3)	12,500	FAFSA STUDENT SUPPORT
(104) ALASKA COMMISSION ON POSTSECONDARY EDUCATION PO BOX 110204 JUNEAU,AK99811	92-6001185	GOV'T	75,000	FAFSA STUDENT SUPPORT
(105) 12 PLUS 3401 I ST UNIT 304 PHILADELPHIA,PA19134	27-3054091	501(C)(3)	115,000	FAFSA STUDENT SUPPORT
(106) ACCESS COLLEGE FOUNDATION 2555 ELLSMERE AVE STE 110 NORFOLK,VA23513	54-1440734	501(C)(3)	64,840	FAFSA STUDENT SUPPORT
(107) ACHIEVE ATLANTA INC 191 PEACHTREE ST NE STE 830 ATLANTA,GA30303	47-2670990	501(C)(3)	162,073	FAFSA STUDENT SUPPORT
(108) ACHIEVE TWIN CITIES 2829 UNIVERSITY AVE SE STE 850 MINNEAPOLIS,MN55414	41-1425264	501(C)(3)	98,502	FAFSA STUDENT SUPPORT
(109) ADMITHUB PBC 1 WASHINGTON MALL 1349 BOSTON,MA02108	46-5681542		655,000	FAFSA STUDENT SUPPORT
(110) ALABAMA POSSIBLE PO BOX 55058 BIRMINGHAM,AL35255	58-2074080	501(C)(3)	263,149	FAFSA STUDENT SUPPORT
(111) ALLAN HANCOCK COLLEGE 800 S COLLEGE DR MARIA,CA93454	52-1692042	STATE SCHOOL	107,181	FAFSA STUDENT SUPPORT
(112) ASPIRE INC 101 EASTVIEW DR LARIMORE,ND58251	87-0375866	501(C)(3)	20,000	FAFSA STUDENT SUPPORT
(113) AMERICAN FALLS SCHOOL DISTRICT 827 FORT HALL AVE AMERICAN FALLS,ID83211	82-6000865	SCHOOL DISTRICT	10,000	FAFSA STUDENT SUPPORT
(114) AMERICAN INDIAN COLLEGE FUND 8333 GREENWOOD BLVD DENVER,CO80221	52-1573446	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(115) AMERICAN SAMOA COMMUNITY COLLEGE PO BOX 2609 PAGOPAGO,AS96799	66-0516639	STATE SCHOOL	169,444	FAFSA STUDENT SUPPORT
(116) AMERICAN SCHOOL COUNSELOR ASSOCIATION 227 S WASHINGTON ST STE 390 ALEXANDRIA,VA22314	51-0237968	501(C)(3)	11,400	FAFSA STUDENT SUPPORT
(117) ARIZONA BOARD OF REGENTS 2700 N CENTRAL AVE STE 400 PHOENIX,AZ85004	86-6004791	GOV'T	710,480	FAFSA STUDENT SUPPORT
(118) ASHEVILLE-BUNCOMBE TECHNICAL COMMUNITY COLLEGE 340 VICTORIA RD ASHEVILLE,NC28801	56-0792170	STATE SCHOOL	34,000	FAFSA STUDENT SUPPORT
(119) CENTRO HISPANO DE EAST TENNESSEE 2455 SUTHERLAND AVE BLDG D KNOXVILLE,TN37919	20-3415545	501(C)(3)	36,000	FAFSA STUDENT SUPPORT
(120) CHEYNEY UNIVERSITY OF PENNSYLVANIA 1837 UNIVERSITY CIR CHEYNEY,PA19319	23-2478688	STATE SCHOOL	39,500	FAFSA STUDENT SUPPORT
(121) CHICAGO PUBLIC SCHOOLS 42 WEST MADISON ST 2ND FL CHICAGO,IL60602	36-6005821	SCHOOL DISTRICT	229,975	FAFSA STUDENT SUPPORT
(122) COUNCIL FOR OPPORTUNITY IN EDUCATION 1025 VERMONT AVE NW STE 400 WASHINGTON,DC20005	52-1221301	501(C)(3)	300,000	FAFSA STUDENT SUPPORT
(123) COMMUNITIES FOUNDATION OF TEXAS INC 5500 CARUTH HAVEN LN DALLAS,TX75225	75-0964565	501(C)(3)	534,859	FAFSA STUDENT SUPPORT
(124) COMMUNITIES IN SCHOOLS INC 2345 CRYSTAL DR STE 700 ARLINGTON,VA22202	58-1289174	501(C)(3)	2,582,465	FAFSA STUDENT SUPPORT
(125) COMMUNITY FOUNDATION OF TAMPA BAY 4300 W CYPRESS ST STE 700 TAMPA,FL34684	59-3001853	501(C)(3)	67,500	FAFSA STUDENT SUPPORT
(126) COMMUNITY PARTNERS 1000 N ALAMEDA ST STE 240 LOS ANGELES,CA90012	95-4302067	501(C)(3)	253,500	FAFSA STUDENT SUPPORT
(127) CONNECTICUT RISE NETWORK INC 700 STATE ST STE 301 HAVEN,CT06511	81-4104274	501(C)(3)	66,400	FAFSA STUDENT SUPPORT
(128) CONSORTIUM OF UNIVERSITIES OF THE WASHINGTON METROPOLITAN AREA 1020 19TH ST NW STE 500 WASHINGTON,DC20036	52-0847610	501(C)(3)	137,316	FAFSA STUDENT SUPPORT
(129) CRISTO REY NETWORK 11 EAST ADAMS ST STE 800 CHICAGO,IL60603	04-3730980	501(C)(3)	173,098	FAFSA STUDENT SUPPORT
(130) CHICAGO SCHOLARS 247 S STATE ST STE 700 CHICAGO,IL60604	36-4117530	501(C)(3)	38,108	FAFSA STUDENT SUPPORT
(131) CROSBY SCHOLARS COMMUNITY PARTNERSHIP 2701 UNIVERSITY PKWY WINSTONSALEM,NC27105	31-1523230	501(C)(3)	50,350	FAFSA STUDENT SUPPORT
(132) DAYTON PUBLIC SCHOOLS 136 S LUDLOW ST DAYTON,OH45402	31-6000784	SCHOOL DISTRICT	8,068	FAFSA STUDENT SUPPORT
(133) MAKE THE ROAD NEW YORK 301 GROVE ST BROOKYLN,NY11237	11-3344389	501(C)(3)	35,000	FAFSA STUDENT SUPPORT
(134) DENVER PUBLIC SCHOOLS 1860 LINCOLN ST DENVER,CO80203	84-6001099	SCHOOL DISTRICT	190,604	FAFSA STUDENT SUPPORT
(135) DENVER SCHOLARSHIP FOUNDATION 789 SHERMAN ST STE 610 DENVER,CO80203	20-5143175	501(C)(3)	98,832	FAFSA STUDENT SUPPORT
(136) DENVER SCHOOL OF SCIENCE AND TECHNOLOGY INC 730 COLORADO BLVD STE 200 DENVER,CO80206	84-1602733	501(C)(3)	11,200	FAFSA STUDENT SUPPORT
(137) COMMONPOINT NY INC 58-20 LITTLE NECK LITTLE NECK,NY11362	11-3071518	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(138) COLORADO DEPARTMENT OF HIGHER EDUCATION 1600 BROADWAY STE 2200 DENVER,CO80202	84-0644739	GOV'T	8,591	FAFSA STUDENT SUPPORT
(139) COLLEGIATE EDU-NATION PO BOX 194 ROSCOE,TX79545	83-2468060	501(C)(3)	348,071	FAFSA STUDENT SUPPORT
(140) COLLEGETRACKS 8737 COLESVILLE RD STE 1010 SILVER SPRING,MD20910	20-4499806	501(C)(3)	32,000	FAFSA STUDENT SUPPORT
(141) COLLEGE TRACK 483 9TH ST STE 200 OAKLAND,CA94607	94-3279613	501(C)(3)	115,000	FAFSA STUDENT SUPPORT
(142) COLLEGE SUCCESS FOUNDATION 15500 SE 30TH PL STE 200 BELLEVUE,WA98007	91-2036088	501(C)(3)	341,275	FAFSA STUDENT SUPPORT
(143) COLLEGE POSSIBLE 755 PRIOR AVE N STE 210 ST PAUL,MN55104	41-1968798	501(C)(3)	931,118	FAFSA STUDENT SUPPORT
(144) COLLEGE NOW GREATER CLEVELAND 1500 W 3RD ST STE 125 CLEVELAND,OH44113	34-6580096	501(C)(3)	55,383	FAFSA STUDENT SUPPORT
(145) COLLEGE COMMUNITY CAREER 15 SOVEREIGN CIR RICHMOND,TX77469	46-0623034	501(C)(3)	8,878	FAFSA STUDENT SUPPORT
(146) COLLEGE AND CAREER ACCESS CENTER 1082 JACKSON CROSSING JACKSON,MI49202	27-1441054	501(C)(3)	96,853	FAFSA STUDENT SUPPORT
(147) COLLEGE AIM 342 SOUTH MCDONOUGH ST DECATUR,GA30030	81-4120021	501(C)(3)	127,309	FAFSA STUDENT SUPPORT
(148) COLLEGE ADVISING CORPS - BOSTON UNIVERSITY 881 COMMONWEALTH AVE 5TH FL BOSTON,MA02215	04-2103547	501(C)(3)	30,000	FAFSA STUDENT SUPPORT
(149) COLLEGE ACCESS PLAN 871 E WASHINGTON BLVD STE 207 PASADENA,CA91104	20-8371402	501(C)(3)	25,000	FAFSA STUDENT SUPPORT
(150) COLLEGE ACCESS FAIRFAX 8115 GATEHOUSE RD STE 1512 FALLS CHURCH,VA22042	03-0546470	501(C)(3)	12,500	FAFSA STUDENT SUPPORT
(151) COATES INC 3709 BROADWAY STE 31 GARY,IN46409	84-5030181	501(C)(3)	44,983	FAFSA STUDENT SUPPORT
(152) CLAFLIN UNIVERSITY 400 MAGNOLIA ST ORANGEBURG,SC29115	57-0314374	501(C)(3)	150,000	FAFSA STUDENT SUPPORT
(153) CITRUS COUNTY COALITION FOR COLLEGE & CAREERS 681 W BRITAIN ST HERNANDO,FL34442	83-2136559	501(C)(3)	29,475	FAFSA STUDENT SUPPORT
(154) DELTA STATE UNIVERSITY 1003 W SUNFLOWER RD CLEVELAND,MS38733	64-6026565	STATE SCHOOL	11,464	FAFSA STUDENT SUPPORT
(155) MISSISSIPPI UNIVERSITY FOR WOMEN 1100 COLLEGE ST MUW-1604 COLUMBUS,MS39701	64-6000826	STATE SCHOOL	43,874	FAFSA STUDENT SUPPORT
(156) MARSHALL EDUCATION FOUNDATION INC 980 SOUTH ELLINGTON PKWY PO BOX 2823 LEWISBURG,TN37091	62-1675615	501(C)(3)	15,199	FAFSA STUDENT SUPPORT
(157) THE PITTSBURGH PROMISE 1901 CENTRE AVE STE 204 PITTSBURGH,PA15219	26-1982661	501(C)(3)	13,000	FAFSA STUDENT SUPPORT
(158) THE BOSTON EDUCATIONAL DEVELOPMENT FUND 6 ROXBURY ST STE 3L BOSTON,MA02119	22-2514422	501(C)(3)	100,000	FAFSA STUDENT SUPPORT
(159) THE EDUCATION EQUALIZER FOUNDATION 11207 NW 36TH AVE GAINESVILLE,FL32606	87-3688925	501(C)(3)	10,000	FAFSA STUDENT SUPPORT
(160) THE FAMILY CENTERED EDUCATIONAL AGENCY INC 16241 WAUSAU AVE SOUTH HOLLAND,IL60473	36-4164937	501(C)(3)	60,900	FAFSA STUDENT SUPPORT
(161) THE GET SCHOOLED FOUNDATION 1425 BROADWAY 401 SEATTLE,WA98122	27-2245578	501(C)(3)	1,000,000	FAFSA STUDENT SUPPORT
(162) THE OHIO DEPARTMENT OF HIGHER EDUCATION 25 S FRONT ST 2ND FL COLUMBUS,OH43215	31-1334820	GOV'T	417,910	FAFSA STUDENT SUPPORT
(163) THE PENINSULA COLLEGE FUND 526 VALLEY WAY MILPITAS,CA95035	26-4293269	501(C)(3)	10,000	FAFSA STUDENT SUPPORT
(164) THE SCHOLARSHIP ACADEMY 500 BISHOP ST NW BLDG B2 ATLANTA,GA30318	20-3721836	501(C)(3)	125,000	FAFSA STUDENT SUPPORT
(165) UASPIRE 6 LIBERTY SQUARE PMB 98549 BOSTON,MA02109	46-1314848	501(C)(3)	397,000	FAFSA STUDENT SUPPORT
(166) THE SCHOLARSHIP PLUG 4300 N UNIVERSITY DR C200 LAUDERHILL,FL33351	87-2110289	501(C)(3)	37,329	FAFSA STUDENT SUPPORT
(167) THE SEED FOUNDATION 1730 RHODE ISLAND AVE NW STE 713 WASHINGTON,DC20036	54-1850819	501(C)(3)	21,673	FAFSA STUDENT SUPPORT
(168) THURGOOD MARSHALL COLLEGE FUND 901 F ST NW STE 700 WASHINGTON,DC20004	41-1750692	501(C)(3)	1,487,791	FAFSA STUDENT SUPPORT
(169) TNACHIEVES PO BOX 2723 KNOXVILLE,TN37901	27-4673873	501(C)(3)	90,000	FAFSA STUDENT SUPPORT
(170) TOLEDO TOMORROW 425 JEFFERSON AVE STE 905 TOLEDO,OH43604	85-4036611	501(C)(3)	65,000	FAFSA STUDENT SUPPORT
(171) TULSA COMMUNITY FOUNDATION 7030 S YALE AVE STE 600 TULSA,OK74136	73-1554474	501(C)(3)	45,000	FAFSA STUDENT SUPPORT
(172) TEXAS SOUTHERN UNIVERSITY 3100 CLEBURNE ST HOUSTON,TX77004	74-1620415	501(C)(3)	45,000	FAFSA STUDENT SUPPORT
(173) TEXAS GUARANTEED STUDENT LOAN CORPORATION 301 SUNDANCE PKWY ROUND ROCK,TX78681	74-2094204	501(C)(3)	1,055,450	FAFSA STUDENT SUPPORT
(174) TEXAS CHRISTIAN UNIVERSITY TCU BOX 297041 FORT WORTH,TX76129	75-0827465	501(C)(3)	235,134	FAFSA STUDENT SUPPORT
(175) TEXARKANA COLLEGE 2500 N ROBISON RD TEXARKANA,TX75599	75-6004413	STATE SCHOOL	28,000	FAFSA STUDENT SUPPORT
(176) TENNESSEE STUDENT ASSISTANCE CORPORATION 312 ROSA PARKS AVE 9TH FL NASHVILLE,TN37243	62-6001445	GOV'T	1,000,000	FAFSA STUDENT SUPPORT
(177) TENNESSEE COLLEGE ACCESS & SUCCESS NETWORK 1704 CHARLOTTE AVE STE 200 NASHVILLE,TN37203	45-4475679	501(C)(3)	120,000	FAFSA STUDENT SUPPORT
(178) TALENT SEARCH 205 OAK GROVE RD MADISONVILLE,TN37354	62-6000761	GOV'T	8,000	FAFSA STUDENT SUPPORT
(179) TAKE STOCK IN CHILDREN OF FLORIDA 2929 E COMMERCIAL BLVD STE 408 FORT LAUDERDALE,FL33308	59-3331584	501(C)(3)	108,750	FAFSA STUDENT SUPPORT
(180) T3 PARTNERSHIP 300 TRINITY CAMPUS CIR STE TRTR 2305 FORT WORTH,TX76102	84-4203777	501(C)(3)	240,000	FAFSA STUDENT SUPPORT
(181) SUNY IMPACT FOUNDATION 116 E 55TH ST NEW YORK,NY10022	81-4591892	501(C)(3)	467,037	FAFSA STUDENT SUPPORT
(182) STILLMAN COLLEGE 3601 STILLMAN BLVD TUSCALOOSA,AL35401	63-0315935	501(C)(3)	63,013	FAFSA STUDENT SUPPORT
(183) STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS 1 CAPITOL HILL PROVIDENCE,RI02908	05-6000522	GOV'T	110,884	FAFSA STUDENT SUPPORT
(184) STATE OF LOUISIANA SOUTHERN UNIVERSITY PO BOX 9494 BATON ROUGE,LA70813	72-6000817	STATE SCHOOL	124,262	FAFSA STUDENT SUPPORT
(185) SQUASHBUSTERS INC 795 COLUMBUS AVE ROXBURY CROSSING,MA02120	04-3330698	501(C)(3)	17,000	FAFSA STUDENT SUPPORT
(186) SPONSORS FOR EDUCATIONAL OPPORTUNITY INC 55 EXCHANGE PL STE 601 NEW YORK,NY10005	13-2578670	501(C)(3)	6,500	FAFSA STUDENT SUPPORT
(187) SOUTHWEST FLORIDA COMMUNITY FOUNDATION INC 2031 JACKSON ST STE 100 FORT MYERS,FL33901	59-6580974	501(C)(3)	27,989	FAFSA STUDENT SUPPORT
(188) SOUTH CAROLINA AFTERSCHOOL ALLIANCE 1611 DEVONSHIRE DR STE 101 COLUMBIA,SC29204	45-0506772	501(C)(3)	150,000	FAFSA STUDENT SUPPORT
(189) TULSA PUBLIC SCHOOLS PO BOX 470208 TULSA,OK74147	73-6021242	SCHOOL DISTRICT	27,274	FAFSA STUDENT SUPPORT
(190) UFCS INC 5826 NEW TERRITORY BLVD 2114 SUGAR LAND,TX77479	87-2591184	501(C)(3)	132,500	FAFSA STUDENT SUPPORT
(191) MIAMI DADE COLLEGE 11011 SW 104 ST RM 9253 MIAMI,FL33176	59-1210485	STATE SCHOOL	394,986	FAFSA STUDENT SUPPORT
(192) WASHINGTON STUDENT ACHIEVEMENT COUNCIL PO BOX 43430 OLYMPIA,WA98504	45-5122913	GOV'T	105,000	FAFSA STUDENT SUPPORT
(193) UNIVERSITY SYSTEM OF MARYLAND 3300 METZEROTT RD ADELPHI,MD20783	52-6002033	GOV'T	611,523	FAFSA STUDENT SUPPORT
(194) UTAH SYSTEM OF HIGHER EDUCATION 60 SOUTH 400 WEST SALT LAKE CITY,UT84101	87-6000545	GOV'T	109,169	FAFSA STUDENT SUPPORT
(195) VERMONT STUDENT ASSISTANCE CORPORATION 10 EAST ALLEN ST PO BOX 2000 WINOOSKI,VT05404	03-0216589	501(C)(3)	232,715	FAFSA STUDENT SUPPORT
(196) VIRGINIA ORGANIZING INC 703 CONCORD AVE CHARLOTTESVILLE,VA22903	54-1674992	501(C)(3)	7,500	FAFSA STUDENT SUPPORT
(197) VIRGINIA WESTERN COMMUNITY COLLEGE 3094 COLONIAL AVE SW ROANOKE,VA24015	54-1268273	STATE SCHOOL	44,308	FAFSA STUDENT SUPPORT
(198) WALLIN EDUCATION PARTNERS 451 LEXINGTON PKWY N STE 100 ST PAUL,MN55104	20-8505156	501(C)(3)	5,127	FAFSA STUDENT SUPPORT
(199) WASHOE COUNTY SCHOOL DISTRICT 425 E 9TH ST RENO,NV89512	88-6000919	SCHOOL DISTRICT	25,000	FAFSA STUDENT SUPPORT
(200) UNIDOSUS 1126 16TH ST NW STE 600 WASHINGTON,DC20036	86-0212873	501(C)(3)	300,000	FAFSA STUDENT SUPPORT
(201) WEST CONTRA COSTA PUBLIC EDUCATION FUND 1400 MARINA WAY S RICHMOND,CA94804	68-0005307	501(C)(3)	72,050	FAFSA STUDENT SUPPORT
(202) WEST VIRGINIA HIGHER EDUCATION POLICY COMMISSION 1018 KANAWHA BLVD E STE 700 CHARLESTON,WV25301	55-0517092	GOV'T	500,000	FAFSA STUDENT SUPPORT
(203) WICHITA STATE UNIVERSITY 4004 N WEBB RD WICHITA,KS67226	20-1027060	STATE SCHOOL	58,935	FAFSA STUDENT SUPPORT
(204) WILEY UNIVERSITY 711 WILEY AVE MARSHALL,TX75670	75-0818183	501(C)(3)	90,000	FAFSA STUDENT SUPPORT
(205) WOODWARD HINES EDUCATION FOUNDATION 2616 LAKEWARD DR JACKSON,MS39216	64-0860939	501(C)(3)	179,016	FAFSA STUDENT SUPPORT
(206) YONKERS PARTNERS IN EDUCATION 92 MAIN ST STE101 YONKERS,NY10701	06-1760636	501(C)(3)	50,015	FAFSA STUDENT SUPPORT
(207) UNIVERSITY OF WEST GEORGIA 1601 MAPLE ST CARROLLTON,GA30118	58-6002055	STATE SCHOOL	79,868	FAFSA STUDENT SUPPORT
(208) UNIVERSITY OF VIRGINIA 1001 N EMMET ST CHARLOTTESVILLE,VA22903	54-6001796	501(C)(3)	63,121	FAFSA STUDENT SUPPORT
(209) UNIVERSITY OF TENNESSEE 615 MCCALLIE AVE CHATTANOOGA,TN37403	62-6001636	STATE SCHOOL	39,566	FAFSA STUDENT SUPPORT
(210) UNIVERSITY OF SOUTHERN CALIFORNIA 3470 TROUSDALE PKWY WPH 701 LOS ANGELES,CA90089	95-1642394	501(C)(3)	213,949	FAFSA STUDENT SUPPORT
(211) UNIVERSITY OF SOUTH FLORIDA 4202 E FOWLER AVE SVC 1039 TAMPA,FL33620	59-3102112	STATE SCHOOL	269,701	FAFSA STUDENT SUPPORT
(212) UNIVERSITY OF KANSAS CENTER FOR RESEARCH INC 2385 IRVING HILL RD LAWRENCE,KS66045	48-0680117	501(C)(3)	58,542	FAFSA STUDENT SUPPORT
(213) UNIVERSITY OF GUAM 303 UNIVERSITY DRIVE MANGILAO,GU96923	98-0032933	STATE SCHOOL	137,438	FAFSA STUDENT SUPPORT
(214) UNIVERSITY OF CALIFORNIA SANTA CRUZ 1156 HIGH ST SANTA CRUZ,CA95064	94-1539563	501(C)(3)	85,861	FAFSA STUDENT SUPPORT
(215) UNIVERSITY OF CALIFORNIA SAN DIEGO 9500 GILMAN DR LA JOLLA,CA92093	95-6006144	501(C)(3)	121,104	FAFSA STUDENT SUPPORT
(216) UNITE-LA 1055 WILSHIRE BLVD STE 1750 LOS ANGELES,CA90017	82-0576380	501(C)(3)	56,376	FAFSA STUDENT SUPPORT
(217) UNITED WAY WORLDWIDE 701 N FAIRFAX ST ALEXANDRIA,VA22314	13-1635294	501(C)(3)	999,741	FAFSA STUDENT SUPPORT
(218) UNITED WAY OF SOUTH CENTRAL MICHIGAN 709 S WESTNEDGE AVE KALAMAZOO,MI49007	38-1359193	501(C)(3)	42,000	FAFSA STUDENT SUPPORT
(219) UNITED WAY OF RACINE COUNTY 2000 DOMINAK DR RACINE,WI53404	39-0806349	501(C)(3)	84,167	FAFSA STUDENT SUPPORT
(220) UNITED WAY OF GREATER ATLANTA 40 COURTLAND ST NE ATLANTA,GA30303	58-0566194	501(C)(3)	20,000	FAFSA STUDENT SUPPORT
(221) UNITED WAY OF DELAWARE 625 N ORANGE ST 3RD FL WILMINGTON,DE19801	51-0073399	501(C)(3)	90,000	FAFSA STUDENT SUPPORT
(222) UNITED WAY OF CENTRAL MINNESOTA 921 1ST ST N STE 200 ST CLOUD,MN56303	41-0915124	501(C)(3)	60,000	FAFSA STUDENT SUPPORT
(223) UNITED COMMUNITY CENTER 1028 S 9TH ST MILWAUKEE,WI53204	39-1146191	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(224) SCHOOLHOUSE CONNECTION 4401A CONNECTICUT AVE NW 145 WASHINGTON,DC20008	81-5042929	501(C)(3)	15,000	FAFSA STUDENT SUPPORT
(225) SCHOLARSHIP FUND OF ALEXANDRIA 3330 KING ST ALEXANDRIA,VA22302	20-0031464	501(C)(3)	5,377	FAFSA STUDENT SUPPORT
(226) SCHOLARSHIP AMERICA 7900 INTERNATIONAL DR STE 500 MINNEAPOLIS,MN55425	04-2296967	501(C)(3)	30,000	FAFSA STUDENT SUPPORT
(227) NEW VISIONS FOR PUBLIC SCHOOLS INC 205 E 42ND ST 4TH FL NEW YORK,NY10017	13-3538961	501(C)(3)	38,688	FAFSA STUDENT SUPPORT
(228) NATIONAL LATINO EVANGELICAL COALITION 9080 MERRIFIELD ST ORLANDO,FL32827	45-2323621	501(C)(3)	81,595	FAFSA STUDENT SUPPORT
(229) NATIONAL LOUIS UNIVERSITY 122 S MICHIGAN AVE CHICAGO,IL60603	36-2167804	501(C)(3)	77,210	FAFSA STUDENT SUPPORT
(230) NATIONAL SUMMER LEARNING ASSOCIATION 1701 PENNSYLVANIA AVE NW STE 200 WASHINGTON,DC20006	26-3356271	501(C)(3)	500,000	FAFSA STUDENT SUPPORT
(231) NATIVITY PREP ACADEMY OF SAN DIEGO INC 6126 ADELAIDE AVE SAN DIEGO,CA92105	33-0886247	501(C)(3)	7,300	FAFSA STUDENT SUPPORT
(232) NEW JERSEY HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY 4 QUAKERBRIDGE PLAZA PO BOX 547 TRENTON,NJ08625	32-0152069	GOV'T	83,080	FAFSA STUDENT SUPPORT
(233) NEW MEXICO EDUCATIONAL ASSISTANCE FOUNDATION 7400 TIBURON NE ALBUQUERQUE,NM87109	85-0291313	501(C)(3)	212,690	FAFSA STUDENT SUPPORT
(234) NEW YORK CITY DEPARTMENT OF EDUCATION 65 COURT ST 102 BROOKLYN,NY11201	13-6400434	GOV'T	34,750	FAFSA STUDENT SUPPORT
(235) SC COMMISSION ON HIGHER EDUCATION 1122 LADY ST STE 400 COLUMBIA,SC29201	82-4550782	GOV'T	6,516	FAFSA STUDENT SUPPORT
(236) NEWARK ALLIANCE 60 PARK PL STE 1016 NEWARK,NJ07102	22-3664305	501(C)(3)	32,000	FAFSA STUDENT SUPPORT
(237) NISWONGER FOUNDATION 223 NORTH MAIN ST GREENEVILLE,TN37745	62-1871605	501(C)(3)	95,150	FAFSA STUDENT SUPPORT
(238) NOBLE NETWORK OF CHARTER SCHOOLS 1 N STATE ST 15TH FL CHICAGO,IL60602	36-4241970	501(C)(3)	34,555	FAFSA STUDENT SUPPORT
(239) NORTH CAROLINA STATE EDUCATION ASSISTANCE AUTHORITY 140 FRIDAY CENTER DR CHAPEL HILL,NC27517	56-6172047	GOV'T	120,000	FAFSA STUDENT SUPPORT
(240) NORTH DAKOTA UNIVERSITY SYSTEM 600 E BOULEVARD AVE DEPT 215 BISMARCK,ND58505	43-1974004	STATE SCHOOL	93,000	FAFSA STUDENT SUPPORT
(241) NORTHAMPTON COMMUNITY COLLEGE 3835 GREEN POND RD BETHLEHEM,PA18020	23-6417444	STATE SCHOOL	49,095	FAFSA STUDENT SUPPORT
(242) NATIONAL GRACE FOUNDATION PO BOX 631 EAST GREENWICH,RI02818	90-0720948	501(C)(3)	60,000	FAFSA STUDENT SUPPORT
(243) NATIONAL COLLEGE ATTAINMENT NETWORK 6218 GEORGIA AVE NW STE 1-405 WASHINGTON,DC20011	31-1793562	501(C)(3)	1,748,000	FAFSA STUDENT SUPPORT
(244) NATIONAL COLLEGE ADVISING CORPS INC 5540 CENTERVIEW DR STE 204 PMB 41997 RALEIGH,NC27606	46-1192687	501(C)(3)	393,171	FAFSA STUDENT SUPPORT
(245) NATIONAL CENTER FOR CIVIC INNOVATION 121 AVENUES OF THE AMERICAS 6TH FL NEW YORK,NY10013	02-0590588	501(C)(3)	55,000	FAFSA STUDENT SUPPORT
(246) NATIONAL ASSOCIATION OF HIGHER EDUCATION SYSTEM 1201 CONNECTICUT AVE NW STE 531 PMB 173953 WASHINGTON,DC20036	20-8987993	501(C)(3)	150,000	FAFSA STUDENT SUPPORT
(247) NASFAA 1801 PENNSYLVANIA AVENUE NW STE 850 WASHINGTON,DC20006	83-0211970	501(C)(3)	3,323,686	FAFSA STUDENT SUPPORT
(248) MYFUTURENC INC PO BOX 26246 RALEIGH,NC27611	84-2326658	501(C)(3)	56,606	FAFSA STUDENT SUPPORT
(249) MUSKINGUM COUNTY COMMUNITY FOUNDATION 534 PUTNAM AVE ZANESVILLE,OH43701	31-1147022	501(C)(3)	42,829	FAFSA STUDENT SUPPORT
(250) MORE THAN BOOTSTRAPS 421 HIGHLAND AVE WESTFIELD,NJ07090	83-2245008	501(C)(3)	27,500	FAFSA STUDENT SUPPORT
(251) MONTANA UNIVERSITY SYSTEM (MUS) 560 NORTH PARK AVE 4TH FL HELENA,MT59601	81-0302402	STATE SCHOOL	461,006	FAFSA STUDENT SUPPORT
(252) MONTANA STATE UNIVERSITY BILLINGS 1500 UNIVERSITY DR BILLINGS,MT59101	81-6001642	STATE SCHOOL	184,769	FAFSA STUDENT SUPPORT
(253) MISSOURI COLLEGE AND CAREER ATTAINMENT NETWORK 555 VANDIVER DR COLUMBIA,MO65202	83-2850894	501(C)(3)	69,000	FAFSA STUDENT SUPPORT
(254) YOUNG INVINCIBLES 1025 CONNECTICUT AVE NW STE 914 WASHINGTON,DC20036	46-2214021	501(C)(3)	700,000	FAFSA STUDENT SUPPORT
(255) MINNESOTA OFFICE OF HIGHER EDUCATION 1450 ENERGY PARK DR STE 350 ST PAUL,MN55108	41-6007162	GOV'T	115,415	FAFSA STUDENT SUPPORT
(256) MILWAUKEE PUBLIC SCHOOL COLLEGE AND CAREER CENTERS 5225 W VLIET ST MILWAUKEE,WI53208	39-6003457	GOV'T	37,772	FAFSA STUDENT SUPPORT
(257) MID-AMERICA CHRISTIAN UNIVERSITY 3500 SW 119TH ST OKLAHOMA CITY,OK73170	74-1196134	501(C)(3)	34,498	FAFSA STUDENT SUPPORT
(258) MICHIGAN COLLEGE ACCESS NETWORK 200 N WASHINGTON SQ STE 420 LANSING,MI48933	36-4619621	501(C)(3)	537,280	FAFSA STUDENT SUPPORT
(259) NORTHERN MARIANAS COLLEGE PO BOX 501250 SAIPAN,MP96950	98-6021499	501(C)(3)	60,000	FAFSA STUDENT SUPPORT
(260) NORTHERN VIRGINIA COMMUNITY COLLEGE 5000 DAWES AVE ALEXANDRIA,VA22311	54-1268263	STATE SCHOOL	110,471	FAFSA STUDENT SUPPORT
(261) NORTHSIDE INDEPENDENT SCHOOL DISTRICT 5900 EVERS RD SAN ANTONIO,TX78238	74-6015904	SCHOOL DISTRICT	7,433	FAFSA STUDENT SUPPORT
(262) PENNSYLVANIA'S STATE SYSTEM OF HIGHER EDUCATION FOUNDATION 100 NOBLE BLVD STE 10 1014 CARLISLE,PA17013	22-2686249	501(C)(3)	357,602	FAFSA STUDENT SUPPORT
(263) SAN ANTONIO FOUNDATION FOR EXCELLENCE IN EDUCATION INC 2411 SAN PEDRO AVE SAN ANTONIO,TX78212	74-2861587	501(C)(3)	7,300	FAFSA STUDENT SUPPORT
(264) SACRAMENTO COUNTY OFFICE OF EDUCATION PO BOX 269003 SACRAMENTO,CA95826	94-6002536	GOV'T	15,000	FAFSA STUDENT SUPPORT
(265) ROCHESTER EDUCATION FOUNDATION 250 MILL ST STE 400 ROCHESTER,NY14614	27-0132133	501(C)(3)	30,746	FAFSA STUDENT SUPPORT
(266) ROCHESTER AREA FOUNDATION 12 ELTON HILLS DR NW ROCHESTER,MN55901	41-6017740	501(C)(3)	29,700	FAFSA STUDENT SUPPORT
(267) RIVERSIDE COUNTY OFFICE OF EDUCATION 3939 13TH ST RIVERSIDE,CA92501	33-0830818	GOV'T	298,509	FAFSA STUDENT SUPPORT
(268) RICHARD BLAND COLLEGE 11301 JOHNSON RD SOUTH PRINCE GEORGE,VA23805	54-6026876	STATE SCHOOL	25,000	FAFSA STUDENT SUPPORT
(269) RHODE ISLAND STUDENT LOAN AUTHORITY 935 JEFFERSON BLVD STE 3000 WARWICK,RI02886	05-0395355	GOV'T	250,000	FAFSA STUDENT SUPPORT
(270) RHODE ISLAND COLLEGE 600 MT PLEASANT AVE PROVIDENCE,RI02908	05-6016315	STATE SCHOOL	31,500	FAFSA STUDENT SUPPORT
(271) RESEARCH FOUNDATION OF THE CITY UNIVERSITY OF NEW YORK 230 W 41ST ST 7TH FL NEW YORK,NY10036	13-1988190	501(C)(3)	175,000	FAFSA STUDENT SUPPORT
(272) REBEKAH CHILDREN'S SERVICES 290 IOOF AVENUE GILROY,CA95020	94-1167402	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(273) REALITY CHANGERS PO BOX 50220 SAN DIEGO,CA92165	26-3757305	501(C)(3)	54,680	FAFSA STUDENT SUPPORT
(274) PROJECT DISCOVERY OF VIRGINIA INC 108 N JEFFERSON ST STE 306 ROANOKE,VA24016	54-1369308	501(C)(3)	147,931	FAFSA STUDENT SUPPORT
(275) PORTLAND COMMUNITY COLLEGE FOUNDATION PO BOX 19000 PORTLAND,OR97280	93-0811291	501(C)(3)	14,358	FAFSA STUDENT SUPPORT
(276) PHILADELPHIA EDUCATION FUND 718 ARCH ST STE 700N PHILADELPHIA,PA19106	22-2567982	501(C)(3)	90,000	FAFSA STUDENT SUPPORT
(277) PENNSYLVANIA HIGHER EDUCATION ASSISTANCE AGENCY 1800 WASHINGTON BLVD 8TH FL BALTIMORE,MD21230	23-1693362	GOV'T	352,296	FAFSA STUDENT SUPPORT
(278) NORTHWEST EDUCATION ACCESS 6920 ROOSEVELT WAY NE 355 SEATTLE,WA98115	04-3602577	501(C)(3)	10,938	FAFSA STUDENT SUPPORT
(279) PENNSYLVANIA DEPARTMENT OF EDUCATION 607 SOUTH DR HARRISBURG,PA17120	23-6003115	GOV'T	49,500	FAFSA STUDENT SUPPORT
(280) PEAK EDUCATION 1645 S MURRAY BLVD COLORADO SPRINGS,CO80916	84-1467174	501(C)(3)	77,000	FAFSA STUDENT SUPPORT
(281) PAUL QUINN COLLEGE 3837 SIMPSON STUART RD DALLAS,TX75241	74-1238438	501(C)(3)	75,000	FAFSA STUDENT SUPPORT
(282) PATH TO COLLEGE 313 DATURA ST STE 200 WEST PALM BEACH,FL33401	81-5228014	501(C)(3)	35,000	FAFSA STUDENT SUPPORT
(283) PARTNERSHIP FOR EDUCATION ADVANCEMENT 499 PARK AVE FL 27 NEW YORK,NY10022	83-1400442	501(C)(3)	4,324,959	FAFSA STUDENT SUPPORT
(284) OXNARD COLLEGE FOUNDATION 4000 S ROSE AVE OXNARD,CA93033	77-0003378	501(C)(3)	38,481	FAFSA STUDENT SUPPORT
(285) OREGON TRIO ASSOCIATION 1651 LEXINGTON AVE ASTORIA,OR97103	27-2616442	501(C)(3)	10,676	FAFSA STUDENT SUPPORT
(286) OPPORTUNITY AUSTIN 200 W 6TH ST STE 1750 AUSTIN,TX78701	20-0192975	501(C)(6)	92,748	FAFSA STUDENT SUPPORT
(287) OPERATION JUMP START 3515 LINDEN AVE LONG BEACH,CA90807	33-0629895	501(C)(3)	50,000	FAFSA STUDENT SUPPORT
(288) ONWARD WE LEARN 134 THURBERS AVE 111 PROVIDENCE,RI02905	22-3031765	501(C)(3)	80,000	FAFSA STUDENT SUPPORT
(289) ONEGOAL 180 N WABASH AVE STE 800 CHICAGO,IL60601	56-2369898	501(C)(3)	95,000	FAFSA STUDENT SUPPORT
(290) ON POINT FOR COLLEGE 488 W ONONDAGA ST SYRACUSE,NY13202	16-1569356	501(C)(3)	58,000	FAFSA STUDENT SUPPORT
(291) OKLAHOMA COLLEGE ASSISTANCE PROGRAM 655 RESEARCH PKWY STE 200 OKLAHOMA CITY,OK73104	61-1770436	GOV'T	94,493	FAFSA STUDENT SUPPORT
(292) NORWALK PUBLIC SCHOOLS 125 EAST AVE NORWALK,CT06851	06-6011881	STATE SCHOOL	21,500	FAFSA STUDENT SUPPORT
(293) 10000 DEGREES 1401 LOS GAMOS DR STE 205 SAN RAFAEL,CA94903	95-3667812	501(C)(3)	50,000	FAFSA STUDENT SUPPORT

Enter total number of section 501(c)(3) and government organizations listed in the line 1 table ................. Bullet Image

291

Enter total number of other organizations listed in the line 1 table ........................ . Bullet Image

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50055P

Schedule I (Form 990) Rev. 1-2025

Page 2

Part III

Grants and Other Assistance to Domestic Individuals. Complete if the organization answered "Yes" on Form 990, Part IV, line 22.
Part III can be duplicated if additional space is needed.

(a) Type of grant or assistance	(b) Number of recipients	(c) Amount of cash grant	(d) Amount of noncash assistance	(e) Method of valuation (book, FMV, appraisal, other)	(f) Description of noncash assistance

(1) COLLEGE NIGHT SCHOLARSHIPS	73	74,500
(2) THE COLLEGE PLACE SCHOLARSHIPS	5	3,500
(3) ECMC SCHOLARS SCHOLARSHIPS	201	634,000
(3)
(4)
(5)
(6)
(7)

Part IV

Supplemental Information. Provide the information required in Part I, line 2; Part III, column (b); and any other additional information.

Return Reference

Explanation

PART I, LINE 2:

ECMC GROUP, INC. IS THE PARENT OF ECMC AND EXERCISES OVERSIGHT OF ECMC BY PROVIDING STRATEGIC DIRECTION AND COORDINATION OF PROGRAMS AND SERVICES OFFERED BY ECMC. ECMC GROUP, INC. AUTHORIZES THE DISTRIBUTION FROM ECMC TO ECMC GROUP, INC. ECMC AND ECMC GROUP, INC. HAVE OVERLAPPING BOARDS AND THE BOARD OF ECMC GROUP, INC. MONITORS THE USE OF GRANT FUNDS. ECMC EXERCISED EXPENDITURE RESPONSIBILITY FOR FAFSA STUDENT SUCCESS AWARDS. THE FAFSA STUDENT SUCCESS AWARD WINNERS WERE REQUIRED TO PROVIDE ECMC WITH INTERIM MONTHLY PROGRESS REPORTS AND A FINAL CUMULATIVE WRITTEN REPORT. THE REMAINDER OF THE GRANTS AND ASSISTANCE TO THE OTHER ORGANIZATIONS LISTED IN PART II ARE MINIMAL IN NATURE AND GENERALLY ARE ISSUED IN SUPPORT OF STUDENT FINANCIAL AID CONFERENCES AND ORGANIZATIONS AND DO NOT REQUIRE MONITORING. THE ASSISTANCE LISTED IN PART III ARE FUNDS AWARDED TO INDIVIDUALS TO BE USED TOWARD CONTINUING THEIR EDUCATION. THESE ARE ISSUED JOINTLY PAYABLE TO THE STUDENT AND THE SCHOOL THE STUDENT IS ATTENDING TO ENSURE THE FUNDS ARE USED FOR EDUCATIONAL EXPENSES.

Schedule I (Form 990) Rev. 1-2025

Additional Data

Software ID:
Software Version:

- TIN:

Schedule J
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Compensation Information

For certain Officers, Directors, Trustees, Key Employees, and Highest
Compensated Employees
medium right arrow graphic

Complete if the organization answered "Yes" on Form 990, Part IV, line 23.
medium right arrow graphic

Attach to Form 990.
medium right arrow graphic

Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

Questions Regarding Compensation

Yes

Check the appropiate box(es) if the organization provided any of the following to or for a person listed on Form
990, Part VII, Section A, line 1a. Complete Part III to provide any relevant information regarding these items.

First-class or charter travel Housing allowance or residence for personal use

Travel for companions Payments for business use of personal residence

Tax idemnification and gross-up payments Health or social club dues or initiation fees

Discretionary spending account Personal services (e.g., maid, chauffeur, chef)

If any of the boxes on Line 1a are checked, did the organization follow a written policy regarding payment or reimbursement or provision of all of the expenses described above? If "No," complete Part III to explain .....

Yes

Did the organization require substantiation prior to reimbursing or allowing expenses incurred by all
directors, trustees, officers, including the CEO/Executive Director, regarding the items checked on Line 1a? ....

Yes

Indicate which, if any, of the following the filing organization used to establish the compensation of the
organization's CEO/Executive Director. Check all that apply. Do not check any boxes for methods
used by a related organization to establish compensation of the CEO/Executive Director, but explain in Part III.

Compensation committee Written employment contract

Independent compensation consultant Compensation survey or study

Form 990 of other organizations Approval by the board or compensation committee

During the year, did any person listed on Form 990, Part VII, Section A, line 1a, with respect to the filing organization or a related organization:

Receive a severance payment or change-of-control payment? .............

Participate in, or receive payment from, a supplemental nonqualified retirement plan? .........

Yes

Participate in, or receive payment from, an equity-based compensation arrangement? .........

If "Yes" to any of lines 4a-c, list the persons and provide the applicable amounts for each item in Part III.

Only 501(c)(3), 501(c)(4), and 501(c)(29) organizations must complete lines 5-9.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the revenues of:

The organization? ....................

Yes

Any related organization? .......................

If "Yes," on line 5a or 5b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization pay or accrue any
compensation contingent on the net earnings of:

The organization? ..................

Yes

Any related organization? ......................

If "Yes," on line 6a or 6b, describe in Part III.

For persons listed on Form 990, Part VII, Section A, line 1a, did the organization provide any nonfixed
payments not described in lines 5 and 6? If "Yes," describe in Part III ............

Were any amounts reported on Form 990, Part VII, paid or accured pursuant to a contract that was
subject to the initial contract exception described in Regulations section 53.4958-4(a)(3)? If "Yes," describe
in Part III ..........................

If "Yes" on line 8, did the organization also follow the rebuttable presumption procedure described in Regulations section 53.4958-6(c)? .........................

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50053T

Schedule J (Form 990) (Rev. 1-2025)

Page 2

Part II

Officers, Directors, Trustees, Key Employees, and Highest Compensated Employees. Use duplicate copies if additional space is needed.

For each individual whose compensation must be reported on Schedule J, report compensation from the organization on row (i) and from related organizations, described in the
instructions, on row (ii). Do not list any individuals that are not listed on Form 990, Part VII.
Note. The sum of columns (B)(i)-(iii) for each listed individual must equal the total amount of Form 990, Part VII, Section A, line 1a, applicable column (D) and (E) amounts for that individual.

(A) Name and Title		(B) Breakdown of W-2, 1099-MISC compensation, and/or 1099-NEC			(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)	(F) Compensation in column (B) reported as deferred on prior Form 990
(A) Name and Title		(i) Base compensation	(ii) Bonus & incentive compensation	(iii) Other reportable compensation	(C) Retirement and other deferred compensation	(D) Nontaxable benefits	(E) Total of columns (B)(i)-(D)
1DANIEL FISHER PRESIDENT & CEO, ECMC GROUP	(i) (ii)	0 ------------- 575,192	0 ------------- 769,206	0 ------------- 29,029	0 ------------- 90,656	0 ------------- 39,669	0 ------------- 1,503,752	0 ------------- 0
2MARTIN SCANLON CFO & TREASURER	(i) (ii)	0 ------------- 416,394	0 ------------- 459,850	0 ------------- 26,761	0 ------------- 73,791	0 ------------- 34,379	0 ------------- 1,011,175	0 ------------- 23,000
3CHAD TATE PRESIDENT, ECMC	(i) (ii)	369,292 ------------- 0	213,629 ------------- 0	16,258 ------------- 0	55,960 ------------- 0	33,590 ------------- 0	688,729 ------------- 0	14,038 ------------- 0
4BRIAN BOARDMAN GENERAL COUNSEL & CORP SECRETARY	(i) (ii)	0 ------------- 334,254	0 ------------- 175,875	0 ------------- 10,381	0 ------------- 48,740	0 ------------- 43,041	0 ------------- 612,291	0 ------------- 7,855
5THERESE BICKLER VP, ECMC OPERATIONS	(i) (ii)	199,276 ------------- 0	119,467 ------------- 0	26,350 ------------- 0	30,121 ------------- 0	16,664 ------------- 0	391,878 ------------- 0	408 ------------- 0
6PAULA CRAW VP, OUTREACH	(i) (ii)	195,414 ------------- 0	79,047 ------------- 0	5,478 ------------- 0	26,638 ------------- 0	588 ------------- 0	307,165 ------------- 0	0 ------------- 0
7NATHAN VICKERY SR DIR, REPAYMENT SUCCESS CENTER	(i) (ii)	200,557 ------------- 0	53,557 ------------- 0	735 ------------- 0	29,425 ------------- 0	15,357 ------------- 0	299,631 ------------- 0	0 ------------- 0
8J HAMLIN SJOBERG SR DIR, GUARANTOR SERVICES	(i) (ii)	193,193 ------------- 0	50,177 ------------- 0	2,226 ------------- 0	27,131 ------------- 0	15,231 ------------- 0	287,958 ------------- 0	0 ------------- 0
9HAN CHO DIR, PORTFOLIO MANAGEMENT	(i) (ii)	167,310 ------------- 0	41,726 ------------- 0	1,169 ------------- 0	25,769 ------------- 0	33,921 ------------- 0	269,895 ------------- 0	0 ------------- 0
10JAN JACOBSON DIR, CUSTOMER SERVICE	(i) (ii)	160,968 ------------- 0	42,279 ------------- 0	2,011 ------------- 0	23,836 ------------- 0	33,969 ------------- 0	263,063 ------------- 0	0 ------------- 0
11CHARLES NADEAU DIR, ANALYTICS & REVENUE MGMT	(i) (ii)	146,932 ------------- 0	39,092 ------------- 0	1,129 ------------- 0	21,331 ------------- 0	43,015 ------------- 0	251,499 ------------- 0	0 ------------- 0
12JAMES V MCKEON BOARD CHAIR	(i) (ii)	0 ------------- 197,500	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 197,500	0 ------------- 0
13JULIA S GOUW DIRECTOR	(i) (ii)	0 ------------- 155,000	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 155,000	0 ------------- 0
14DIANA J INGRAM DIRECTOR	(i) (ii)	0 ------------- 151,250	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 151,250	0 ------------- 0
15JOHN F DEPODESTA FORMER BOARD CHAIR	(i) (ii)	0 ------------- 60,000	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 0	0 ------------- 60,000	0 ------------- 0
16JEREMY WHEATON FORMER PRESIDENT & CEO, ECMC GROUP	(i) (ii)	0 ------------- 0	0 ------------- 0	0 ------------- 19,539	0 ------------- 0	0 ------------- 0	0 ------------- 19,539	0 ------------- 19,539

Schedule J (Form 990) (Rev. 1-2025)

Page 3

Part III

Supplemental Information

Provide the information, explanation, or descriptions required for Part I, lines 1a, 1b, 3, 4a, 4b, 4c, 5a, 5b, 6a, 6b, 7, and 8, and for Part II. Also complete this part for any additional information.

Return Reference	Explanation
PART I, LINE 1A	CERTAIN TAXABLE BENEFITS ARE GROSSED UP TO MAKE THE EMPLOYEE WHOLE; THIS HAS BEEN APPROVED BY THE BOARD OF DIRECTORS.
PART I, LINE 4B	ECMC GROUP, INC. MAINTAINS A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN DESCRIBED IN SECTION 457(F), AND A SUPPLEMENTAL EMPLOYEE RETIREMENT PLAN (SERP), TO ATTRACT AND RETAIN EMPLOYEES, TYPICALLY IN MANAGEMENT POSITIONS. IN 2024, DANIEL FISHER AND MARTIN SCANLON PARTICIPATED IN THE 457(F) PLAN, AND RECEIVED EMPLOYER CONTRIBUTIONS OF $61,995 AND $9,391, RESPECTIVELY.
PART I, LINE 5	ECMC GROUP, INC.'S ANNUAL OFFICER INCENTIVE PLAN REQUIRES ACHIEVEMENT OF STATED PRIMARY FINANCIAL GOALS, WHICH INCLUDES REVENUES, BEFORE ANY PAYMENT TO ANY OFFICER IS MADE.
PART I, LINE 6	ECMC GROUP, INC.'S ANNUAL OFFICER INCENTIVE PLAN REQUIRES ACHIEVEMENT OF STATED KEY PERFORMANCE METRICS, WHICH INCLUDES NET EARNINGS, BEFORE ANY PAYMENT TO ANY OFFICER IS MADE.

Schedule J (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

Schedule L
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Transactions with Interested Persons

Complete if the organization answered "Yes" on Form 990, Part IV, lines 25a, 25b, 26, 27, 28a, 28b, or 28c, or Form 990-EZ, Part V, line 38a or 40b.
Attach to Form 990 or Form 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

Excess Benefit Transactions (section 501(c)(3), section 501(c)(4), and section 501(c)(29) organizations only).
Complete if the organization answered "Yes" on Form 990, Part IV, line 25a or 25b, or Form 990-EZ, Part V, line 40b.

1(a) Name of disqualified person	(c) Description of transaction	(d) Corrected?
1(a) Name of disqualified person	(c) Description of transaction	Yes	No

Enter the amount of tax incurred by the organization managers or disqualified persons during the year under section 4958. ........................... $

Enter the amount of tax, if any, on line 2, above, reimbursed by the organization ........ $

Part II

Loans to and/or From Interested Persons.
Complete if the organization answered "Yes" on Form 990-EZ, Part V, line 38a, or Form 990, Part IV, line 26; or if the organization reported an amount on Form 990, Part X, line 5, 6, or 22

(a) Name of interested person	(b) Relationship with organization	(c) Purpose of loan	(d) Loan to or from the organization?		(e) Original principal amount	(f) Balance due	(g) In default?		(h) Approved by board or committee?		(i) Written agreement?
(a) Name of interested person	(b) Relationship with organization	(c) Purpose of loan	To	From	(e) Original principal amount	(f) Balance due	Yes	No	Yes	No	Yes	No
(1) DANIEL FISHER	DIRECTOR	SPLIT DOLLAR LIFE INSURANCE POLICY		X	950,515	950,515		No	Yes		Yes



Total ............... $						950,515

Part III

Grants or Assistance Benefiting Interested Persons.
Complete if the organization answered "Yes" on Form 990, Part IV, line 27.

(a) Name of interested person	(b) Relationship between interested person and the organization	(c) Amount of assistance	(d) Type of assistance	(e) Purpose of assistance

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 50056A

Schedule L (Form 990) (Rev. 1-2025)

Page 2

Part IV

Business Transactions Involving Interested Persons.
Complete if the organization answered "Yes" on Form 990, Part IV, line 28a, 28b, or 28c.

(a) Name of interested person	(c) Amount of transaction	(d) Description of transaction	(e) Sharing of organization's revenues?
(a) Name of interested person	(c) Amount of transaction	(d) Description of transaction	Yes	No

Part V

Supplemental Information
Provide additional information for responses to questions on Schedule L (see instructions).

Return Reference	Explanation
SCHEDULE L, PART II, LOANS TO AND FROM INTERESTED PERSONS:	ECMC PROVIDED FUNDING FOR A LIFE INSURANCE POLICY OWNED BY DANIEL FISHER. THE ARRANGEMENT IS STRUCTURED AS A LOAN, WITH ECMC RETAINING A COLLATERAL INTEREST IN THE POLICY AND THE RIGHT TO RECOVER ITS INVESTMENT UPON DANIEL FISHER'S DEATH OR OTHER TRIGGERING EVENT.

Schedule L (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE O
(Form 990)
(Rev. January 2025)
Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public
Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Return Reference	Explanation
FORM 990, PART VI, SECTION A, LINE 6	ECMC HAS ONE MEMBER. THE MEMBER IS ECMC GROUP, INC., A DELAWARE NON-STOCK, NONPROFIT CORPORATION EXEMPT UNDER SECTION 501(C)(3). THERE ARE NO STOCKHOLDERS.
FORM 990, PART VI, SECTION A, LINE 7A	ECMC GROUP, INC. HAS THE RIGHT TO ELECT AND/OR APPROVE ALL THE DIRECTORS OF THE ECMC BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7B	ECMC GROUP, INC., THE SOLE MEMBER OF ECMC, RETAINS THE FOLLOWING AUTHORITY OVER ECMC: 1. TO AUTHORIZE AMENDMENTS TO THE ARTICLES OF INCORPORATION AND BYLAWS. 2. TO APPROVE THE STRATEGIC AND FINANCIAL PLANS. 3. TO ELECT AND/OR APPROVE THE MEMBERS OF THE BOARD OF DIRECTORS. 4. TO OVERSEE COORDINATION OF PROGRAMS AND SERVICES OFFERED. 5. TO AUTHORIZE FORMATION, GOVERNANCE AND DISSOLUTION.
FORM 990, PART VI, SECTION B, LINE 11B	ALL MEMBERS OF THE BOARD OF DIRECTORS AND EXECUTIVE MANAGEMENT ARE PROVIDED A COPY OF FORM 990 TO REVIEW AND PROVIDE COMMENTS PRIOR TO FILING. ALL MEMBERS OF THE BOARD OF DIRECTORS AND EXECUTIVE MANAGEMENT ARE PROVIDED WITH A COPY OF THE FINAL VERSION OF FORM 990 BEFORE IT HAS BEEN FILED.
FORM 990, PART VI, SECTION B, LINE 12C	OFFICERS, DIRECTORS AND ALL EMPLOYEES ARE REQUIRED TO REAFFIRM ON AN ANNUAL BASIS THEIR UNDERSTANDING OF THE COMPANY'S CONFLICT OF INTEREST POLICY. THE AFFIRMATION SPECIFICALLY REFERENCES THAT THE INDIVIDUAL WILL COMPLY WITH THE DIRECTIVES OF THE CONFLICT OF INTEREST POLICY. OFFICERS, DIRECTORS AND KEY EMPLOYEES ARE ALSO REQUIRED TO COMPLETE AN ANNUAL FORM 990 RELATIONSHIP DISCLOSURE DOCUMENT TO IDENTIFY ANY POTENTIAL CONFLICTS OF INTEREST. FINALLY, THE COMPANY'S VENDOR PROCUREMENT PROCESS INCLUDES QUESTIONS OF BUSINESS UNIT CONTRACT OWNERS TO DETERMINE IF ANY CONFLICTS OF INTEREST MAY EXIST. MONITORING AND ENFORCEMENT OF THE POLICY ARE ACCOMPLISHED THROUGH THE POLICY REAFFIRMATION PROCESS, AFFIRMATIVE DISCLOSURE REQUESTS AND THE POLICY REQUIREMENT THAT ALL CONFLICTS OF INTEREST BE REPORTED. IN CASES WHERE A POTENTIAL CONFLICT EXISTS AT THE OFFICER AND KEY EMPLOYEE LEVELS, THE ISSUE IS DISCLOSED TO THE INDIVIDUAL'S SUPERVISOR, GENERAL COUNSEL AND/OR VICE PRESIDENT, DEPUTY GENERAL COUNSEL. FOR POTENTIAL CONFLICTS INVOLVING DIRECTORS, THE DISCLOSURE IS MADE TO THE BOARD (OR APPLICABLE COMMITTEE). THE DIRECTOR WILL BE REQUIRED TO EXCUSE THEMSELVES FROM DELIBERATION AND VOTING ON MATTERS FOR WHICH THEY MAY HAVE A CONFLICT OF INTEREST.
FORM 990, PART VI, SECTION B, LINE 15	THE GOVERNANCE & COMPENSATION COMMITTEE OF THE ECMC GROUP, INC. (ECMC'S PARENT ORGANIZATION) BOARD OF DIRECTORS IS WHOLLY COMPRISED OF INDEPENDENT, OUTSIDE DIRECTORS. IN 2024, THE COMMITTEE RETAINED EXECUTIVE COMPENSATION EXPERTS FROM PEARL MEYER, A GLOBAL COMPENSATION CONSULTING ORGANIZATION, THROUGH ARNOLD & PORTER KAYE SCHOLER LLP TO IDENTIFY APPROPRIATE CEO AND SENIOR EXECUTIVE COMPENSATION PACKAGES. ARNOLD & PORTER KAYE SCHOLER LLP PROVIDED AN OPINION ON THE REASONABLENESS OF THIS COMPENSATION. THE MARKET ANALYSIS PERFORMED BY PEARL MEYER FOR ARNOLD & PORTER KAYE SCHOLER LLP INCLUDES SALARY AND INCENTIVE DATA FROM AN APPROPRIATE PEER GROUP UNDER IRS REGULATIONS AND INCLUDES BOTH NONPROFIT AND FOR-PROFIT ENTITIES.
FORM 990, PART VI, SECTION C, LINE 19	DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC AS REQUIRED BY LAW.
FORM 990, PART VII, SECTION A:	JOHN DEPODESTA, A FORMER DIRECTOR, HAD A CONSULTING AGREEMENT IN 2024.
FORM 990, PART XI, LINE 9:	GRANTS AWARDED IN A PRIOR YEAR AND RETURNED OR REFUNDED IN 2024 2,000.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

- TIN:

SCHEDULE R
(Form 990)
(Rev. January 2025)

Department of the Treasury
Internal Revenue Service

Related Organizations and Unrelated Partnerships

Complete if the organization answered "Yes" on Form 990, Part IV, line 33, 34, 35b, 36, or 37.
Attach to Form 990.
Go to www.irs.gov/Form990 for instructions and the latest information.

OMB No. 1545-0047

Open to Public Inspection

Name of the organization

EDUCATIONAL CREDIT
MANAGEMENT CORPORATION

Employer identification number

41-1778617

Part I

Identification of Disregarded Entities. Complete if the organization answered "Yes" on Form 990, Part IV, line 33.

(a) Name, address, and EIN (if applicable) of disregarded entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Total income	(e) End-of-year assets	(f) Direct controlling entity

Part II

Identification of Related Tax-Exempt Organizations. Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related tax-exempt organizations during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	(g) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Exempt Code section	(e) Public charity status (if section 501(c)(3))	(f) Direct controlling entity	Yes	No
(1)ECMC GROUP INC 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 41-1991995	EDUCATION FINANCE	DE	501(C)(3)	LINE 12B TYPE II	N/A		No
(2)ECMC FOUNDATION 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 41-1990628	PROMOTE EDUCATION	DE	501(C)(3)	LINE 12B TYPE II	ECMC GROUP INC		No
(3)ECMC EDUCATION INC 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 47-2237488	CAREER COLLEGES	DE	501(C)(3)	LINE 7	ECMC GROUP INC		No
(4)ECMC REVENUE MANAGEMENT CORPORATION 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 83-1761663	STUDENT LOAN DEFAULT RESOLUTION	DE	501(C)(3)	LINE 10	EDUCATIONAL CREDIT MANAGEMENT CORPORATION	Yes
(5)ECMC SERVICES INC 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 83-1763915	STUDENT LOAN REPAYMENT SERVICES	DE	501(C)(3)	LINE 10	ECMC GROUP INC		No

For Paperwork Reduction Act Notice, see the Instructions for Form 990.

Cat. No. 50135Y

Schedule R (Form 990) (Rev. 1-2025)

Page 2

Part III

Identification of Related Organizations Taxable as a Partnership. Complete if the organization answered "Yes" on Form 990, Part IV, line 34, because it had one or more related organizations treated as a partnership during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?		(k) Percentage ownership
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No	(k) Percentage ownership
(1) 503 WWS INVESTORS LLC 2540 NE MARTIN LUTHER KING JR BLVD PORTLAND,OR97212 92-1393452	INVESTMENTS	DE	N/A				No			No
(2) CHLOE CAPITAL FUND I LP 700 CASCADILLA ST STE 201 ITHACA,NY14850 84-4269068	INVESTMENTS	DE	N/A				No			No
(3) COLT ENERGY OPPORTUNITIES II LLC 2101 CEDAR SPRINGS RD STE 1230 DALLAS,TX75201 93-3370182	INVESTMENTS	TX	N/A				No			No
(4) COMMONFUND CAP SECONDARIES OPP FUND 15 OLD DANBURY RD WILTON,CT06897 84-2082338	INVESTMENTS	DE	N/A				No			No
(5) CRP VF IV GP LP 1301 S MOPAC EXPY STE 125 AUSTIN,TX78746 86-3644095	INVESTMENTS	DE	N/A				No			No
(6) ECMC-UV CO-INVESTMENT FUND LP 104 W 40TH ST STE 1600 NEW YORK,NY10018 81-3873029	INVESTMENTS	DE	N/A				No			No
(7) FUND D-2 A SERIES OF RIOT VENTURES 313 GRAND BLVD 1079 VENICE,CA90291 92-0652495	INVESTMENTS	DE	N/A				No			No
(8) FUND D-3 A SERIES OF RIOT VENTURES 313 GRAND BLVD 1079 VENICE,CA90291 99-2314854	INVESTMENTS	DE	N/A				No			No
(9) GALAHAD INVESTORS EAU CLAIRE LLC 1161 WAYZATA BLVD E 195 WAYZATA,MN55391 99-1926788	INVESTMENTS	MN	N/A				No			No
(10) GALAHAD INVESTORS MAPLEWOOD LLC 1161 WAYZATA BLVD E 195 WAYZATA,MN55391 99-1935774	INVESTMENTS	MN	N/A				No			No
(11) GEM MINING 4 LLC 550 S MAIN ST STE 310 GREENVILLE,SC29601 87-1562792	INVESTMENTS	DE	N/A				No			No
(12) GENGLOBAL CORE LLC 2810 N CHURCH ST PMB 85501 WILMINGTON,DE19802 93-4209535	INVESTMENTS	DE	N/A				No			No
(13) ONRAMP EDUC & WORKFORCE INNOV FUND I 821 E WASHINGTON AVE STE 200-G MADISON,WI53703 84-3999115	INVESTMENTS	DE	N/A				No			No
(14) PC-1 DEVELOPERS LLC 3600 MAYBERRY DR RENO,NV89509 83-1603672	INVESTMENTS	NV	N/A				No			No
(15) R7 FAMILY FUND LP 100 S WACKER DR STE 1675 CHICAGO,IL60606 85-1019413	INVESTMENTS	DE	N/A				No			No
(16) RI FUND I A SERIES OF BOOST VC SPV LP PO BOX 3217 SEATTLE,WA98114 87-4641779	INVESTMENTS	CJ	N/A				No			No
(17) SOLGEN CAPITAL PARTNERS I LP 2000 PGA BLVD STE 4440 PALM BEACH GARDENS,FL33408 92-1378980	INVESTMENTS	DE	N/A				No			No
(18) TABOR OFFSHORE OPPORTUNITIES LTD 11 E 44TH ST STE 705 NEW YORK,NY10017	INVESTMENTS	CJ	N/A				No			No
(19) UP FUND I A SERIES OF BOOST VC SPV LP PO BOX 3217 SEATTLE,WA98114 85-1519551	INVESTMENTS	DE	N/A				No			No
(20) WY FUND I A SERIES OF BOOST VC SPV LP PO BOX 3217 SEATTLE,WA98114 85-1519506	INVESTMENTS	DE	N/A				No			No
(21) ENHANCED US EQUITY LLC 75 STATE ST 31ST FL BOSTON,MA02109 82-3597220	INVESTMENTS	DE	N/A				No			No
(22) PANORAMIC PARTNERS LP 900 LARKSPUR LANDING CIR STE 205 LARKSPUR,CA94939 02-0809008	INVESTMENTS	DE	N/A				No			No
(23) BF-ECMC RTL LLC 1312 17TH ST STE 71618 DENVER,CO80202 99-2583586	INVESTMENTS	DE	N/A				No			No
(24) GOLD HYDROGEN 8090 INDUSTRIES 110 E 25TH ST NEW YORK,NY10010 99-2189080	INVESTMENTS	DE	N/A				No			No
(25) BIOSPRING PARTNERS I KINICITI 40 W 57TH ST STE 1815 NEW YORK,NY10019 99-2064142	INVESTMENTS	DE	N/A				No			No
(26) REGENT 8090 INDUSTRIES LLC 110 E 25TH ST NEW YORK,NY10010 99-1257603	INVESTMENTS	DE	N/A				No			No
(27) SYNERGIS CAPITAL SPC - FORCE 1 SP 71 FORT ST GEORGETOWN KY1-1106 CJ 98-1864588	INVESTMENTS	CJ	N/A				No			No
(28) VVP ZIPARI CO-INVESTMENT LLC 2784 HOMESTEAD RD 375 SANTA CLARA,CA95051 85-0778306	INVESTMENTS	DE	N/A				No			No
(29) BST 052 A SERIES OF SAX CAPITAL SERIES FUND III LP PO BOX 3217 SEATTLE,WA98114 85-3876811	INVESTMENTS	DE	N/A				No			No
(30) ONRAMP EDUC & WORKFORCE INNOV FUND II 821 E WASHINGTON AVE STE 200-G MADISON,WI53703 99-0616052	INVESTMENTS	DE	N/A				No			No

Part IV

Identification of Related Organizations Taxable as a Corporation or Trust. Complete if the organization answered "Yes" on Form 990, Part IV, line 34 because it had one or more related organizations treated as a corporation or trust during the tax year.

(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership	(i) Section 512(b)(13) controlled entity?
(a) Name, address, and EIN of related organization	(b) Primary activity	(c) Legal domicile (state or foreign country)	(d) Direct controlling entity	(e) Type of entity (C corp, S corp, or trust)	(f) Share of total income	(g) Share of end-of-year assets	(h) Percentage ownership	Yes	No
(1) OAKDALE INVESTMENT MANAGEMENT CORPORATION 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 35-2085743	HOLDING INVESTMENTS	DE	N/A	C					No
(2) ECMC HOLDINGS CORPORATION 111 WASHINGTON AVE S STE 1400 MINNEAPOLIS,MN55401 41-1991992	STRATEGIC OVERSIGHT	DE	N/A	C					No

Schedule R (Form 990) (Rev. 1-2025)

Page 3

Part V

Transactions With Related Organizations. Complete if the organization answered "Yes" on Form 990, Part IV, line 34, 35b, or 36.

Note. Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule.

Yes

1 During the tax year, did the orgranization engage in any of the following transactions with one or more related organizations listed in Parts II-IV?

a Receipt of (i) interest, (ii) annuities, (iii) royalties, or (iv) rent from a controlled entity .....................

b Gift, grant, or capital contribution to related organization(s) ............................

Yes

c Gift, grant, or capital contribution from related organization(s) ............................

Yes

d Loans or loan guarantees to or for related organization(s) ............................

e Loans or loan guarantees by related organization(s) ............................

f Dividends from related organization(s) ............................

g Sale of assets to related organization(s) ............................

h Purchase of assets from related organization(s) ............................

i Exchange of assets with related organization(s) ............................

j Lease of facilities, equipment, or other assets to related organization(s) .......................

k Lease of facilities, equipment, or other assets from related organization(s) ......................

l Performance of services or membership or fundraising solicitations for related organization(s) .....................

Yes

m Performance of services or membership or fundraising solicitations by related organization(s) .................

Yes

n Sharing of facilities, equipment, mailing lists, or other assets with related organization(s) ...................

Yes

o Sharing of paid employees with related organization(s) ............................

Yes

p Reimbursement paid to related organization(s) for expenses ............................

Yes

q Reimbursement paid by related organization(s) for expenses ............................

Yes

r Other transfer of cash or property to related organization(s) ............................

s Other transfer of cash or property from related organization(s) ............................

If the answer to any of the above is "Yes," see the instructions for information on who must complete this line, including covered relationships and transaction thresholds.

(a) Name of related organization	(b) Transaction type (a-s)	(c) Amount involved	(d) Method of determining amount involved

Schedule R (Form 990) (Rev. 1-2025)

Page 4

Part VI

Unrelated Organizations Taxable as a Partnership. Complete if the organization answered "Yes" on Form 990, Part IV, line 37.

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue) that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	(e) Are all partners section 501(c)(3) organizations?		(f) Share of total income	(g) Share of end-of-year assets	(h) Disproprtionate allocations?		(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	(j) General or managing partner?		(k) Percentage ownership
(a) Name, address, and EIN of entity	(b) Primary activity	(c) Legal domicile (state or foreign country)	Yes	No	(f) Share of total income	(g) Share of end-of-year assets	Yes	No	(i) Code V-UBI amount in box 20 of Schedule K-1 (Form 1065)	Yes	No	(k) Percentage ownership

Schedule R (Form 990) (Rev. 1-2025)

Page 5

Part VII

Supplemental Information

Provide additional information for responses to questions on Schedule R. See instructions.

Return Reference	Explanation

Schedule R (Form 990) (Rev. 1-2025)

Additional Data

Software ID:
Software Version:

1	Briefly describe the organization’s mission or most significant activities: PROVIDES FINANCIAL COUNSELING AND EDUCATION TO EMPOWER STUDENTS TO MAKE BETTER CHOICES ABOUT THEIR FUTURES.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	9
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	8
5	Total number of individuals employed in calendar year 2024 (Part V, line 2a) ......	5	250
6	Total number of volunteers (estimate if necessary) .............	6	0
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, Part I, line 11 .........	7b	0

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	17,188,000	14,611,000
9	Program service revenue (Part VIII, line 2g) .........	299,935,137	249,023,650
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	933,773	1,363,991
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	30,436	215
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	318,087,346	264,998,856
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	267,565,683	177,847,940
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	52,103,482	54,661,330
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	42,386,842	29,081,997
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	362,056,007	261,591,267
19	Revenue less expenses. Subtract line 18 from line 12.......	-43,968,661	3,407,589
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	295,093,716	209,123,067
21	Total liabilities (Part X, line 26).............	256,617,228	167,236,990
22	Net assets or fund balances. Subtract line 21 from line 20.....	38,476,488	41,886,077

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 50,544,455 including grants of $ 46,991,260 ) (Revenue $ 50,544,455 )
	BANKRUPTCY SERVICING:ECMC SERVICES AND MONITORS THE BANKRUPTCY CASES ON FFELP STUDENT LOANS CURRENTLY UNDER CHAPTER 7 OR 13 OF THE BANKRUPTCY CODE. THE BANKRUPTCY LOANS ARE TRANSFERRED FROM THE U.S. DEPARTMENT OF EDUCATION (ED) AND OTHER GUARANTY AGENCIES FOR PROCESSING BY ECMC. AT THE REQUEST OF ED, SPECIALTY STUDENT LOAN SERVICES ARE ALSO PERFORMED FOR ED. THE BANKRUPTCY STUDENT LOAN PORTFOLIO AT DECEMBER 31, 2024 CONSISTED OF $458 MILLION IN OUTSTANDING PRINCIPAL, INTEREST AND FEES.

4b	(Code: ) (Expenses $ 17,174,534 including grants of $ 0 ) (Revenue $ 118,260,172 )
	DEFAULT AVERSION, CLAIMS AND COLLECTION PROGRAM:IN ECMC'S ROLE AS A FEDERAL STUDENT LOAN GUARANTOR, WE PERFORM DEFAULT PREVENTION ACTIVITIES, REIMBURSE LENDERS FOR DEFAULT AND OTHER TYPES OF CLAIMS, AND RECOVER DEFAULTED STUDENT LOANS. DEFAULT PREVENTION PROGRAM: ECMC HAS A ROBUST DEFAULT PREVENTION PROGRAM FOCUSED ON EDUCATING AND COUNSELING DELINQUENT BORROWERS ON REPAYMENT STRATEGIES TO FIND THE ONE THAT BEST FITS THEIR SITUATION SO THEY CAN SUCCESSFULLY REPAY THEIR LOAN. COLLECTION PROGRAM: FOR THOSE BORROWERS WHO FACE THE UNFORTUNATE SITUATION OF STUDENT LOAN DEFAULT, IT IS NOT ONLY OUR FIDUCIARY RESPONSIBILITY TO THE U.S. TREASURY AND THE TAXPAYER TO COLLECT THOSE LOANS, ECMC IS ALSO COMMITTED TO HELPING THE BORROWER RECOVER FROM DEFAULT. CONGRESS HAS GIVEN US TOOLS, SUCH AS THE LOAN REHABILITATION PROGRAM WHERE WE ESTABLISH AN INCOME-CONTINGENT REPAYMENT ARRANGEMENT WITH THE BORROWER. WITH SUCCESSFUL COMPLETION OF THIS PROGRAM, THE DEFAULT STATUS IS REMOVED FROM THE BORROWER'S RECORD. SINCE INCEPTION, ECMC HAS RETURNED $21.8 BILLION IN STUDENT LOAN RECOVERIES TO THE U.S. TREASURY.AS PART OF DCL GEN-22-16, THE U.S. DEPARTMENT OF EDUCATION (ED), ESTABLISHED A TRANSITIONAL FEE TO BE PAID TO GUARANTORS FROM AUGUST 29, 2023 THROUGH THE FRESH START PERIOD, WHICH ENDED ON SEPTEMBER 30, 2024. THE TRANSITIONAL FEE IS PAID TO GUARANTORS TO HELP THEM INITIATE THE REPAYMENT RESTART WHILE SUPPORTING BORROWERS AND ASSISTING THEM AS THEY NAVIGATE THE FRESH START PERIOD AND ALL THEIR OPTIONS. ECMC RECORDED $78 MILLION FOR TRANSITIONAL FEE REVENUE IN 2024, ALL OF WHICH IS FULLY RECEIVED AS OF DECEMBER 31, 2024.ON OCTOBER 8, 2024, A VOLUNTARY FLEXIBLE AGREEMENT (VFA) WAS SIGNED BETWEEN ED AND ECMC. THIS ALLOWS THE SECRETARY TO WAIVE MOST STATUTORILY REQUIRED COLLECTIONS ACTIVITY AND REVENUE. THE VFA ECMC AND ED MUTUALLY AGREED UPON IS SET FOR A TWO-YEAR PERIOD BEGINNING OCTOBER 1, 2024, THROUGH SEPTEMBER 30, 2026, UNLESS TERMINATED EARLIER AS PROVIDED IN THE VFA. ECMC RECORDED $17.4 MILLION FOR SPECIAL ACCOUNT MAINTENANCE FEE (SAMF) REVENUE FOR THE PERIOD FROM OCTOBER 1, 2024, THROUGH DECEMBER 31, 2024.

4c	(Code: ) (Expenses $ 12,832,575 including grants of $ 1,964,579 ) (Revenue $ 35,144,857 )
	LOAN GUARANTEE PROGRAM:ECMC IS THE DESIGNATED GUARANTY AGENCY FOR CALIFORNIA, CONNECTICUT, ILLINOIS, LOUISIANA, MAINE, MISSOURI, NORTH CAROLINA, OREGON, RHODE ISLAND, SOUTH CAROLINA, TENNESSEE, UTAH AND VIRGINIA UNDER THE FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP). A GUARANTY AGENCY UNDER FFELP PROVIDES FEDERAL STUDENT LOAN GUARANTEES AND ONGOING PROCESSING SERVICES TO U.S. DEPARTMENT OF EDUCATION-APPROVED FFELP LENDERS AND POSTSECONDARY EDUCATION STUDENTS AND THEIR PARENTS FOR LOANS EXTENDED UNDER FFELP. ADDITIONAL SERVICES PROVIDED BY ECMC IN FULFILLING ITS ROLE AS A GUARANTY AGENCY INCLUDE BUT ARE NOT LIMITED TO: ASSISTING BORROWERS AND PARENTS IN PREPARING FOR COLLEGE, FINANCIAL LITERACY AND MONEY MANAGEMENT EDUCATION, EDUCATION REGARDING THE OBLIGATIONS ASSOCIATED WITH STUDENT LOANS, AND EDUCATION ON HOW TO AVOID STUDENT LOAN DEFAULT.ON MARCH 30, 2010, THE HEALTH CARE AND EDUCATION AFFORDABILITY RECONCILIATION ACT OF 2010 WAS SIGNED INTO LAW AND AMENDED THE HIGHER EDUCATION ACT BY TERMINATING THE AUTHORITY TO MAKE OR INSURE NEW LOANS UNDER FFELP AFTER JUNE 30, 2010. AS A RESULT, ECMC CEASED GUARANTEEING LOANS EFFECTIVE JULY 1, 2010. ALL EXISTING FFELP LOANS WILL CONTINUE TO BE GUARANTEED AND SERVICED AS FFELP LOANS THROUGHOUT THEIR REMAINING LIFE, WHICH GENERALLY AVERAGES 5 YEARS. AS OF DECEMBER 31, 2024, THE NON-DEFAULT GUARANTEE PORTFOLIO CONSISTED OF $11.2 BILLION IN ORIGINAL OUTSTANDING PRINCIPAL BALANCE.ON NOVEMBER 1, 2016, ECMC ENTERED INTO A THREE-YEAR AGREEMENT WITH THE U.S. DEPARTMENT OF EDUCATION (ED), WHEREBY ECMC WILL PARTICIPATE IN ED'S PROJECT SUCCESS BY PROVIDING SERVICES ON BEHALF OF ED TO CERTAIN MINORITY-SERVING INSTITUTIONS (INSTITUTIONS). THE SERVICES THAT ECMC MAY PROVIDE TO THE INSTITUTIONS INCLUDE INSTITUTIONAL SUPPORT SERVICES TO BENEFIT THE INSTITUTIONS AND SERVICES TO ASSIST THE INSTITUTION'S STUDENTS. ALL OF THE SERVICES PROVIDED MUST RELATE TO FEDERAL STUDENT LOANS. THE SECRETARY HAS AUTHORIZED ECMC TO USE THE GUARANTOR FEDERAL RESERVE FUND TO PAY THE COST OF PROVIDING SERVICES UNDER THE PROJECT SUCCESS PROGRAM, NOT TO EXCEED $20 MILLION FOR THE THREE-YEAR AGREEMENT. THE AGREEMENT HAS BEEN EXTENDED THROUGH SEPTEMBER 30, 2025. THE GUARANTOR FEDERAL RESERVE FUND REIMBURSED ECMC FOR EXPENSES INCURRED IN THE AMOUNT OF $3.3 MILLION FOR THE YEAR ENDED DECEMBER 31, 2024.

	(Code: ) (Expenses $ 3,752,280 including grants of $ 101 ) (Revenue $ 4,012,540 )
	ECMC SOLUTIONS PROGRAM:THE ECMC SOLUTIONS PROGRAM FOCUSES ON PROVIDING DEFAULT PREVENTION AND FINANCIAL LITERACY TO STUDENT LOAN BORROWERS WHILE THEY ARE STILL IN SCHOOL, IN THEIR GRACE PERIOD OR IN REPAYMENT TO HELP THEM UNDERSTAND THEIR REPAYMENT OPTIONS BEFORE BECOMING DELINQUENT OR DEFAULTING ON THEIR FEDERALLY INSURED STUDENT LOANS. THE PROGRAM INCLUDES RESOURCES FOR POSTSECONDARY INSTITUTIONS TO ASSIST THEM IN MANAGING THEIR COHORT DEFAULT RATE. SERVICES ARE OFFERED TO POSTSECONDARY INSTITUTIONS UNDER A FEE STRUCTURE.

	(Code: ) (Expenses $ 863,243 including grants of $ 0 ) (Revenue $ 41,061,626 )
	THIRD-PARTY GUARANTOR SERVICING:ECMC PERFORMS FEDERAL FAMILY EDUCATION LOAN PROGRAM (FFELP) LOAN PORTFOLIO SERVICING ACTIVITIES FOR OTHER STATE AND NONPROFIT GUARANTORS OF FFELP LOANS IN RETURN FOR A FEE. FFELP GUARANTOR LOAN PORTFOLIO SERVICING ACTIVITIES ARE IDENTICAL TO THOSE SERVICES THAT IT PERFORMS ON ITS OWN BEHALF AND INCLUDE LOAN CONVERSION ACTIVITIES, DEFAULT AVERSION, BORROWER UPDATES, CUSTOMER SERVICE, PAYMENT PROCESSING, DUE DILIGENCE PROCEDURES AND CLAIM PROCESSING.

	(Code: ) (Expenses $ 128,892,000 including grants of $ 128,892,000 ) (Revenue $ 0 )
	CONTRIBUTIONS MADE TO ECMC GROUP, INC.:ECMC GROUP, INC. IS THE PARENT OF AND A SUPPORTING ORGANIZATION TO ECMC. ECMC GROUP, INC. RETAINS THE FOLLOWING AUTHORITY OVER ECMC:1. TO AUTHORIZE AMENDMENTS TO THE ARTICLES OF INCORPORATION AND BYLAWS.2. TO APPROVE THE STRATEGIC AND FINANCIAL PLANS.3. TO ELECT AND/OR APPROVE THE MEMBERS OF THE BOARD OF DIRECTORS.4. TO OVERSEE COORDINATION OF PROGRAMS AND SERVICES OFFERED.5. TO AUTHORIZE FORMATION, GOVERNANCE AND DISSOLUTION.ECMC GROUP, INC. AUTHORIZES THE DISTRIBUTION OF FUNDS FROM ECMC TO ECMC GROUP, INC. SECTION 422B OF THE HIGHER EDUCATION ACT OF 1965, AS AMENDED, ALLOWS ECMC TO INVEST FUNDS AT ITS DISCRETION IN ACCORDANCE WITH PRUDENT INVESTOR STANDARDS AND TO USE FUNDS FOR HIGHER EDUCATION-RELATED ACTIVITIES. ECMC DISTRIBUTES FUNDS TO ECMC GROUP, INC. TO INVEST AND TO DISTRIBUTE TO ECMC FOUNDATION AND ECMC EDUCATION, INC. TO USE FOR HIGHER EDUCATION-RELATED ACTIVITIES.

4d	Other program services (Describe in Schedule O.)
	(Expenses $ 133,507,523 including grants of $ 128,892,101 ) (Revenue $ 45,074,166 )
4e	Total program service expenses214,059,087

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)			(D) Reportable compensation from the organization (W-2/1099-MISC/1099-NEC)	(E) Reportable compensation from related organizations (W-2/1099-MISC/1099-NEC)	(F) Estimated amount of other compensation from the organization and related organizations
(A) Name and title
(18) NATHAN VICKERY........................................................................ SR DIR, REPAYMENT SUCCESS CENTER	40.00 .......................0.00	X		254,849	0	44,782
(19) CHARLES NADEAU........................................................................ DIR, ANALYTICS & REVENUE MGMT	40.00 .......................0.00	X		187,153	0	64,346
(20) JEREMY WHEATON........................................................................ FORMER PRESIDENT & CEO, ECMC GROUP	0.00 .......................0.00		X	0	19,539	0
(21) JOHN F DEPODESTA........................................................................ FORMER BOARD CHAIR	0.00 .......................0.00		X	0	60,000	0

1b	Sub-Total..............
c	Total from continuation sheets to Part VII, Section A..
d	Total (add lines 1b and 1c).........	2,327,272	4,061,481	762,822

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c
d	Related organizations		1d	14,611,000
e	Government grants (contributions)		1e

f	All other contributions, gifts, grants, and similar amounts not included above		1f

g	Noncash contributions included in lines 1a - 1f:$		1g

h Total. Add lines 1a-1f.......		14,611,000

		Business Code
2a	TRANSITIONAL FEE	900099	95,355,634	95,355,634
b	BANKRUPTCY SERVICING	900099	50,544,455	50,544,455
c	THIRD-PARTY GUARANTOR	900099	41,061,626	41,061,626
d	CLAIM REPURCHASE	900099	26,072,157	26,072,157
e	DEFAULT AVERSION	900099	20,260,253	20,260,253
f	All other program service revenue.		15,729,525	15,729,525
g	Total. Add lines 2a–2f .....		249,023,650

3 Investment income (including dividends, interest, and othersimilar amounts) ......			1,363,991			1,363,991
4 Income from investment of tax-exempt bond proceeds
5 Royalties...........
			(i) Real	(ii) Personal
6a	Gross rents	6a
b	Less: rental expenses	6b
c	Rental income or (loss)	6c
d	Net rental income or (loss).......
			(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory	7a
b	Less: cost or other basis and sales expenses	7b
c	Gain or (loss)	7c
d	Net gain or (loss).........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..

Business Code
11a
b
c
d	All other revenue ....			215			215
e	Total. Add lines 11a–11d ......			215
12	Total revenue. See instructions.....			264,998,856	249,023,650	0	1,364,206

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	177,069,160	177,069,160
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........	712,000	712,000
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............	66,780	66,780
4	Benefits paid to or for members .......
5	Compensation of current officers, directors, trustees, and key employees ...........	1,387,774	1,387,774
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........
7	Other salaries and wages........	41,659,901	17,980,729	23,679,172
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	1,874,630	791,929	1,082,701
9	Other employee benefits .......	6,835,578	3,863,257	2,972,321
10	Payroll taxes ...........	2,903,447	1,294,224	1,609,223
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	1,216,064	755,725	460,339
c	Accounting ...........	649,630		649,630
d	Lobbying ...........	181,862	181,862
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	4,031,761	1,638,190	2,393,571
12	Advertising and promotion ....
13	Office expenses .......	6,395,353	2,382,563	4,012,790
14	Information technology ......	6,939,820	3,821,227	3,118,593
15	Royalties ..
16	Occupancy ...........	2,878,733	150,114	2,728,619
17	Travel ............	672,443	383,478	288,965
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .
19	Conferences, conventions, and meetings ....	404,367	167,757	236,610
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization ..	2,452,744	48,133	2,404,611
23	Insurance ...	1,317,484	59,635	1,257,849
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	COMMISSION EXPENSE	1,135,125	1,135,125
b	LEGAL SETTLEMENTS	350,000		350,000
c	PROJECT SUCCESS EXPENSE	152,371	152,371
d	OUTREACH EVENTS	27,194	10,423	16,771
e	All other expenses	277,046	6,631	270,415
25	Total functional expenses. Add lines 1 through 24e	261,591,267	214,059,087	47,532,180	0
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........			3,265,360	1	4,521,247
2	Savings and temporary cash investments .........			13,778,223	2	19,492,154
3	Pledges and grants receivable, net ......				3
4	Accounts receivable, net .............			55,442,546	4	29,952,993
5	Loans and other receivables from any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
				0	5	950,515
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
					6
7	Notes and loans receivable, net ...........				7
8	Inventories for sale or use ............				8
9	Prepaid expenses and deferred charges ......			447,065	9	1,482,589
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	68,459
b	Less: accumulated depreciation	10b	45,819	29,109	10c	22,640
11	Investments—publicly traded securities .				11
12	Investments—other securities. See Part IV, line 11 .....				12
13	Investments—program-related. See Part IV, line 11 ..				13
14	Intangible assets ...............			1,108,333	14	0
15	Other assets. See Part IV, line 11 ...........			221,023,080	15	152,700,929
16	Total assets. Add lines 1 through 15 (must equal line 33)...			295,093,716	16	209,123,067

17	Accounts payable and accrued expenses .....	8,185,460	17	8,105,165
18	Grants payable ...	359,924	18	422,234
19	Deferred revenue .........	740,402	19	915,401
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D	1,467,535	21	1,445,073
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D	245,863,907	25	156,349,117
26	Total liabilities. Add lines 17 through 25..	256,617,228	26	167,236,990

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........	35,004,488	27	38,240,077
28	Net assets with donor restrictions ...........	3,472,000	28	3,646,000
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....		29
30	Paid-in or capital surplus, or land, building or equipment fund ...		30
31	Retained earnings, endowment, accumulated income, or other funds		31
32	Total net assets or fund balances ...........	38,476,488	32	41,886,077
33	Total liabilities and net assets/fund balances ........	295,093,716	33	209,123,067

1	Was the organization a U.S. transferor of property to a foreign corporation during the tax year? If "Yes," the organization may be required to file Form 926, Return by a U.S. Transferor of Property to a Foreign Corporation (see Instructions for Form 926). . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	Yes	No
2	Did the organization have an interest in a foreign trust during the tax year? If "Yes," the organization may be required to separately file Form 3520, Annual Return to Report Transactions with Foreign Trusts and Receipt of Certain Foreign Gifts, and/or Form 3520-A, Annual Information Return of Foreign Trust With a U.S. Owner (see Instructions for Forms 3520 and 3520-A; don't file with Form 990). . . . . . . . . . . . . . . . . . . . . . . .	Yes	No
3	Did the organization have an ownership interest in a foreign corporation during the tax year? If "Yes," the organization may be required to file Form 5471, Information Return of U.S. Persons with Respect to Certain Foreign Corporations. (see Instructions for Form 5471). . . . . . . . . . . . . . . . . . . . . . . . . . . .	Yes	No
4	Was the organization a direct or indirect shareholder of a passive foreign investment company or a qualified electing fund during the tax year? If “Yes,” the organization may be required to file Form 8621, Information Return by a Shareholder of a Passive Foreign Investment Company or Qualified Electing Fund. (see Instructions for Form 8621) .	Yes	No
5	Did the organization have an ownership interest in a foreign partnership during the tax year? If "Yes," the organization may be required to file Form 8865, Return of U.S. Persons with Respect to Certain Foreign Partnerships (see Instructions for Form 8865). . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	Yes	No
6	Did the organization have any operations in or related to any boycotting countries during the tax year? If "Yes," the organization may be required to separately file Form 5713, International Boycott Report (see Instructions for Form 5713; don't file with Form 990).. . . . . . . . . . . . . . . . . . . . . . . . . . . .	Yes	No