the loan program logo

THE borrowers

You've made an INVESTMENT in your education. We're here to help you manage it.

You've made an INVESTMENT in your education. We're here to help you manage it.


About Total Higher Education

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.

T.H.E. Repayment Bonus Benefit Plan

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).

NOTICE REGARDING RECENT CHANGE IN NORTHSTAR’S LOAN SERVICING:

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).

Learn more about the bonus and its qualifications.
THE Private Loan 2016 Index Changes

Contact Us

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:

call visit the website or mail

T.H.E. PRIVATE LOANS-

firstmarkservices.com

Phone number: 844.565.7151
(The call center is open 7 a.m. – 8 p.m. (Central) Monday – Friday)

Fax: 866.258.9222

Email correspondence:

customer.service@firstmarkservices.com

Physical correspondence:

Firstmark Services
PO Box 82522
Lincoln, NE 68501-2522

Borrower payment address, including third party online bill payer services:

Firstmark Services
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

T.H.E. FFEL Loans-

www.nelnet.com

Phone number: 888.486.4722
International: 303.696.3625
(The call center is open 7 a.m. to 2 a.m. (Eastern) Monday – Friday and 8 a.m. to 7 p.m. Saturday)

Fax: 866.258.9222

Email correspondence:

HELP@Nelnet.net

Physical correspondence:

Nelnet, Inc.
PO Box 82561
Lincoln, NE 68501-2561

Borrower payment address, including third party online bill payer services:

Nelnet, Inc.
PO Box 2970
Omaha, NE 68103-2970

Back to Top