* Full service is based upon a Resource Factor of three(3). The RF is determined to be an approximation of the anticipated amount of labor and resources utilized to perform full default prevention services as outlined in the default prevention plan. In summary, your in house labor will reduce the amount of "full service" by the RF of (3.0).

Resource Factor takes into consideration the resources and labor relating to the following:

1. Data entry.
2. In school servicing of references and reference verifications.
3. Grace period servicing.
4. Delinquency servicing, written and verbal.
5. contact management services, written and verbal.
6. Forbearance/deferment processing written and verbal.

The costs of implementing a sound default prevention program vary depending on which default prevention tools the institution chooses to implement. Costs fall into two categories:

Resource expenses associated with developing the default prevention program:

• Workstations equipped for internet access
• High speed data connections, internet access
• Training

Resources associated with the day-to-day operation of the default prevention program:

• Personnel costs such as wages
• Supplies
• Paper
• Envelopes

• Postage, and
• Postcards
• Overhead costs
• Telephone service

• Long distance
• Utilities
• Maintenance
• Training and Support

Training and Fees

Default Prevention.com provides you with training and support according to the following schedule. The system is simple to use and most schools are up and running well within the first month.

• Challenges and Appeals are available on case by case basis. Email mattk@defaultprevention.com for consultation and quote.