The Total Higher Education (T.H.E.) Loan Programs are a product of NorthStar, a nonprofit lender based in Minnesota. With more than two decades of experience helping college students make wise borrowing decisions the expertise and assets of The Loan Program remain true to the valued reputation it has built over the years.
NorthStar Education Finance, Inc. provides borrowers, who obtained or co-signed a student loan under Total Higher Education Loan Program, a T.H.E. Repayment Bonus(T.H.E. Bonus).
Great Lakes had been Northstar’s loan servicer up through June 15, 2018. Great Lakes, as the loan
servicer, had provided support to Northstar with administering the T.H.E. Bonus distributions,
pursuant to Northstar’s T.H.E. Repayment Bonus Program (managed by Northstar).
Effective June 16, 2018, all of Northstar’s T.H.E. FFELP loans will be serviced by Nelnet Servicing and
all of Northstar’s private loans will serviced by Firstmark Services (NOTE: Both organizations
affiliated with Nelnet). Thus, effective June 16, 2018, Nelnet Servicing and Firstmark Services will
provide support to Northstar with administering the T.H.E. Bonus distributions (Northstar will
continue to manage its T.H.E. Repayment Bonus Program).
There will be no changes to the T.H.E. Repayment Bonus Program, including the eligibility
requirements and funding source (see link below for details on qualifications and funding source).
Total Higher Education (T.H.E.) no longer provides federal or private loans. If you have a question regarding an existing T.H.E. loan please use the following information to determine contact information.
CONTACTING YOUR LOAN SERVICER: NOTE: EFFECTIVE JUNE 16, 2018, THE SERVICING OF NORTHSTAR’S T.H.E. LOANS WAS TRANSITIONED FROM GREAT LAKES TO THE FOLLOWING ORGANIZATIONS:
Phone number: 844.565.7151
(The call center is open 7 a.m. – 8 p.m. (Central) Monday – Friday)
PO Box 82522
Lincoln, NE 68501-2522
PO Box 2977
Omaha, NE 68103-2977
NOTE: T.H.E. private loan borrowers who have concerns about managing their outstanding debt obligation(s) should work with Firstmark Services, but may additionally contact loan counselors who specialize in private loan debt management at the following toll-free number: 866.456.1083
Phone number: 888.486.4722
(The call center is open 7 a.m. to 2 a.m. (Eastern) Monday – Friday and 8 a.m. to 7 p.m. Saturday)
PO Box 82561
Lincoln, NE 68501-2561
PO Box 2970
Omaha, NE 68103-2970