Student Loan Solutions

Private Student Loan Programs
For Higher Education Finance

Student Loan Solutions

Private Student Loan Programs
For Higher Education Finance

Bridging Solutions for Borrowers

Guiding borrowers toward financial resolution of private student loans

Our Partners & Priorities

We partner with private student loan lenders to address defaulted student loans and shepherd borrowers to financial stability. Southwood Financial believes in a gentle approach to account management, recognizing the common thread in all of our borrowers’ stories: a desire to achieve something greater for themselves. 

Whatever obstacles you may have encountered along the education or post-education journey that led to default, the original story of each student loan account that we manage is often one of hopeful ambition. 

We desire to see people thrive without the burden of default or credit damage, and we do our best to work with borrowers toward the successful resolution of their loans. Helping borrowers achieve account resolution is our responsibility, and observing the restoration of hopeful ambition via greater financial health is our desire. Let’s work together toward success.

southwood financial specialize in managing distressed student loan
southwood financial team of experts making strategies

History & Guiding Principles

Southwood’s Team has decades of experiences in the private student loan sector dating back to 1992, marked by a series of notable achievements:

  • Administered the first nationwide, credit-based educational financing product in the United States.

  • Developed and implemented a fully-automated platform for the origination and servicing of credit-based student loans.

  • Implemented customized credit scoring models and introduced risk-based pricing for credit-based student loans.

At Southwood Financial, our operations are driven by three core principles: innovation, compliance, and a steadfast commitment to resolving each borrower’s needs. Our compliance management system is robust, undergoing regular third-party audits to uphold our certification as a Certified Receivables Business by the Receivables Management Association International, in addition to maintaining our SOC 2 Type 1 data security certification.

Borrower Resources

Lender Services

About Us

Frequently Asked Questions

Our goal is to provide a trustworthy and frictionless experience. We encourage borrowers to review the FAQs for clarity in communications as we move toward achievable solutions.

Southwood Financial works only with private student loans. Any accounts in our care are private, not federal.

Sometimes lenders sell defaulted loans so they can focus their efforts on new and current loans rather than on collection activity. Don’t stress; our team has been in business for a long time and wants to work with you to reach an amicable solution for your account. Southwood Financial is a reputable leader in private student loan collections accounts and we are an RMAI Certified Receivables Business.

Please contact the collection agency or law firm handling your account. If you are unsure of who is handling your account, please email us at info@swfin.com.

Debt Settlement Inquiries

Seeking information about a client’s account? Initiate an inquiry here.