"Your students shouldn't need three portals to manage their loans. In only eight months, we can give you the data to make better financial aid decisions. Increase retention when students know they can manage their debt."
Discover IONCORE
Built for Your
Built for Your
Student Borrowers,
DESIGNED FOR
INSTITUTIONAL
RESULTS.
Discover The Benefits of an All-in-One Loan Platform
Contact us to learn how ION can increase your revenue with support to students — all in one place, with clear, coordinated repayment plans across both federal and private loans.
50%
Reduction in
Delinquency
$360M
Portfolio
Case study
40%
Increased
Revenue
ONE PORTAL, ONE COMPLETE EXPERIENCE
Why Choose ION for
Private Loan Programs?
Ion Core is the only end-to-end platform that unifies federal and private loan servicing into a single student portal, with expert-level counselors, a customized financial wellness portal, and the lowest delinquency and default rates in the industry.
INNOVATIONS FOR FUNDING & ORIGINATIONS
Bank-Sponsored & Retail Installment Contracts
ION's gap loan model is designed for maximum loan enforceability.
Loans may be originated through a Federally-chartered bank; or highly compliant RICs.
ION offers Program Redesign and Implementation with tremendous velocity.
FULL LIFECYCLE LOAN MANAGEMENT
End-to-End Loan Servicing
From application and origination through repayment and default resolution, Ion Core has you covered.
Services Include:
- In-school & post-graduation servicing
- Delinquency & default management
- Skip tracing & hardship plans
- Loan securitization & portfolio sales
- Credit bureau reporting
- 1058-E compliance
Core powered by the same technology stack which has processed over $100B in loan resolutions.
FEDERAL - PRIVATE LOAN RESOLUTION
One Portal for All Loans
With ION Core, students can seamlessly manage federal and private loans in one place.
A single support team allows borrowers to resolve repayment questions in one interaction while creating coordinated repayment plans across both loan types.
Have fewer missed payments, less borrower confusion, and an all-in-one experience they love.
FINANCING ACCESS FOR BORROWERS
Increase Student Enrollment
Students who cannot secure traditional private loans can still enroll through private financing programs supported by ION.
ION has served 5M+ borrowers and serviced more than $100B in student loans, providing the expertise institutions need to support students through repayment.
Increase enrollment while reducing financial barriers.
PROTECT TITLE IV ELIGIBILITY
90/10 Compliance Support
ION Core helps institutions improve on-time repayment and reduce delinquency while supporting 90/10 ratio compliance.
Every dollar of private loan repayment collected counts toward the “good” side of the 90/10 ratio, directly protecting Title IV eligibility associated with for-profit institutions.
LEARN WHAT SETS IONCORE APART FROM COMPETITORS
PLATFORM DIFFERENTIATORS
Loans originated by a federally chartered partner bank — removes schools from the role of lender.
Single student portal for both federal and private loans — one login, one phone number, one experience instead of juggling multiple servicers.
One MPN valid in all 50 states, bypassing state-level lending restrictions through the bank-based model.
End-to-end coverage from origination through repayment including delinquency management, skip tracing, hardship plans, and bankruptcy handling.
Collection payments count toward the "good" side of the 90/10 ratio — directly protecting Title IV eligibility for for-profit institutions.
Automated credit bureau reporting and 1098-E tax form generation for borrowers.
Two program options — bank-based (removes school as lender) and installment contract (school retains control) — to fit different risk profiles.