Civic Intelligence

Massachusetts Higher Education Assistance Corporation

990 • Fiscal year 2017 • EIN 04-2254705

Jul 01, 2016 to Jun 30, 2017 • Filed on Feb 09, 2018

Organization ProfileWWW.ASA.ORG

View Organization Page

100 Cambridge StreetBoston, MA 02114

(617) 728-4549

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

19th percentile

0.09x

Higher debt load relative to assets than 19% of similar nonprofits.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

32nd percentile

0.34x

Higher debt load relative to revenue than 32% of similar nonprofits.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2017

Net Margin

66th percentile

9.4%

Higher net margin than 66% of similar nonprofits.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

25th percentile

$477,653

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 0.3% of source-year revenue.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Source year 2017

Asset Growth

80th percentile

15%

Faster asset growth than 80% of similar nonprofits.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

9th percentile

-10%

Faster revenue growth than 9% of similar nonprofits.

2017 filings • 501(c)3 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$586,643,442

Up $75,123,530 (+15%) from 2016

Net Assets

Up

$535,821,535

Up $79,805,947 (+18%) from 2016

Liabilities

Down

$50,821,907

Down $4,682,417 (-8.4%) from 2016

Revenue And Expenses
Liabilities / Revenue32nd percentileNet Margin66th percentile

Revenue

Down

$147,686,758

Down $17,110,352 (-10%) from 2016

Expenses

Up

$133,793,648

Up $9,651,359 (+7.8%) from 2016

Net Income

Down

$13,893,110

Down $26,761,711 (-66%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth80th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.5B$1.0B$500M$0Assets 2010: $170,423,324Liabilities 2010: $50,488,132Net Assets 2010: $119,935,1922010Assets 2011: $235,276,009Liabilities 2011: $41,098,609Net Assets 2011: $194,177,4002011Assets 2012: $319,114,168Liabilities 2012: $57,281,543Net Assets 2012: $261,832,6252012Assets 2013: $375,475,421Liabilities 2013: $49,861,337Net Assets 2013: $325,614,0842013Assets 2014: $438,151,601Liabilities 2014: $50,151,465Net Assets 2014: $388,000,1362014Assets 2015: $471,225,108Liabilities 2015: $40,624,726Net Assets 2015: $430,600,3822015Assets 2016: $511,519,912Liabilities 2016: $55,504,324Net Assets 2016: $456,015,5882016Assets 2017: $586,643,442Liabilities 2017: $50,821,907Net Assets 2017: $535,821,5352017Assets 2018: $638,276,258Liabilities 2018: $34,261,840Net Assets 2018: $604,014,4182018Assets 2019: $751,861,840Liabilities 2019: $20,131,198Net Assets 2019: $731,730,6422019Assets 2020: $828,363,737Liabilities 2020: $18,155,690Net Assets 2020: $810,208,0472020Assets 2021: $1,090,709,677Liabilities 2021: $145,522,363Net Assets 2021: $945,187,3142021Assets 2022: $945,178,364Liabilities 2022: $125,579,526Net Assets 2022: $819,598,8382022Assets 2023: $1,045,185,472Liabilities 2023: $131,181,242Net Assets 2023: $914,004,2302023Assets 2024: $1,113,821,909Liabilities 2024: $127,150,763Net Assets 2024: $986,671,1462024

Highlighted filing

2017

Assets$586,643,442
Liabilities$50,821,907
Net Assets$535,821,535
Open 2017 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$300M$200M$100M$0Expenses 2010: $119,512,1242010Expenses 2011: $124,185,4292011Expenses 2012: $173,126,1022012Revenue 2013: $233,562,352Expenses 2013: $184,982,412Net Income 2013: $48,579,9402013Revenue 2014: $265,705,373Expenses 2014: $169,255,963Net Income 2014: $96,449,4102014Revenue 2015: $176,374,512Expenses 2015: $138,603,816Net Income 2015: $37,770,6962015Revenue 2016: $164,797,110Expenses 2016: $124,142,289Net Income 2016: $40,654,8212016Revenue 2017: $147,686,758Expenses 2017: $133,793,648Net Income 2017: $13,893,1102017Revenue 2018: $124,045,497Expenses 2018: $86,528,850Net Income 2018: $37,516,6472018Revenue 2019: $127,223,003Expenses 2019: $85,562,817Net Income 2019: $41,660,1862019Revenue 2020: $83,119,077Expenses 2020: $70,563,660Net Income 2020: $12,555,4172020Revenue 2021: $124,087,298Expenses 2021: $79,908,993Net Income 2021: $44,178,3052021Revenue 2022: $81,920,356Expenses 2022: $69,303,434Net Income 2022: $12,616,9222022Revenue 2023: $113,123,004Expenses 2023: $95,095,168Net Income 2023: $18,027,8362023Revenue 2024: $153,640,929Expenses 2024: $114,855,624Net Income 2024: $38,785,3052024

Highlighted filing

2017

Revenue$147,686,758
Expenses$133,793,648
Net Income$13,893,110
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
Feb 9, 2018
Return Version
2016v3.0
Gross Receipts
$171,091,510
Mission and Program Overview

Mission

The organization's primary exempt purpose is to provide access to and conduct activities in furtherance of higher education.

Provide access to and conduct activities in furtherance of higher education.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$422,356,934$494,540,887▲ $72,183,953
Savings and Temporary Cash Investments$67,109,759$72,077,448▲ $4,967,689
Cash and Non-Interest-Bearing Accounts$7,442,047$8,114,951▲ $672,904
Accounts Receivable$7,843,452$6,938,887▼ $904,565
Prepaid Expenses and Deferred Charges$3,672,806$2,814,517▼ $858,289
Land, Buildings, and Equipment, Net$3,094,914$2,156,752▼ $938,162
Total Assets$511,519,912$586,643,442▲ $75,123,530
Liabilities
Accounts Payable and Accrued Expenses$15,082,753$33,308,224▲ $18,225,471
Other Liabilities$40,421,571$17,513,683▼ $22,907,888
Total Liabilities$55,504,324$50,821,907▼ $4,682,417
Net Assets / Fund Balance
Unrestricted Net Assets$456,015,588$535,821,535▲ $79,805,947
Total Net Assets Fund Balance$456,015,588$535,821,535▲ $79,805,947
Total Liabilities and Net Assets / Fund Balance$511,519,912$586,643,442▲ $75,123,530

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$455,290$9,562,407$10,017,697
Equipment$888,004$3,766,289$4,654,293
Leasehold Improvements$813,458$3,489,082$4,302,540

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2016$97,933,428-▲ $13,123,262-$111,048,682
2015$102,195,793-▲ $745,643$5,000,000$97,933,428
2014$100,006,667-▲ $2,198,423-$102,195,793
2013-$100,000,000▲ $6,667-$100,006,667
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Paul CombePresident / CEO (until 7/15/16)FT$194,768$282,885$477,653
Barbara MatezSVP Finance & CFOFT$218,853$177,674$396,527
michael finnformer SVP & CAOFT$317,513$395,869$395,869
Brian CurtisVP of ISD & CIOFT$234,617$154,646$389,263
John CHRISTOPHER SHEEHANVP & General CounselFT$218,243$163,611$381,854
John ZurickSALT President/EVP (until 11/07/16)FT$284,401$96,919$381,320
Michael RyanVP Borrower ServicesFT$194,131$182,690$376,821
Susan NathanSVP & COOFT$214,468$141,059$355,527
David SnowM.D. Strategic AlliancesFT$184,454$128,273$312,727
Michael KradasM.D. Human ResourcesFT$185,636$123,015$308,651
Robert MoranM.D. Risk ManagementFT$194,166$90,986$285,152
Alisa WilkeM.D. Product DevelopmentFT$185,602$87,789$273,391
Frederick ArchibaldM.d. Shared Tech SvcsFT$179,647$91,038$270,685
Robin CheM.D. of Borrowers ServicesFT$151,407$98,386$249,793
Brenda StazinskiDirector of Ops & FacilitiesFT$149,463$98,599$248,062
Daniel ScottDirector Corp. Fin Plan & AnalysisFT$143,435$96,311$239,746
Neeta KotechaControllerFT$146,814$89,888$236,702
Clay ColarussoM.D. MarketingFT$160,886$73,204$234,090
Julie LammersM.D. Consumer Advocate & Govt. RelationsFT$189,606$40,641$230,247
Julie LammersM.D. Consumer Advocate & Govt. Relat-$155,619$74,628$230,247
Gregory PakhladzhyanDirector Of Legal Affairs & Deputy gen.FT$155,368$67,440$222,808
Grace BartiniVP Ombudsman (until 08/04/16)PT$104,097$116,639$220,736
Kristi PierceM.D. CA ProgramsFT$140,243$73,918$214,161
Philip ImbresciaDirector Internal Audit/Risk Mgmt.FT$150,083$54,153$204,236
Jean EddyDIR./Chair of Comp; Interim Pres/CEOFT$78,000-$78,000
Donald ReavesDIR./Chair of Executive Committee-$54,250-$54,250
Dione KenyonDIR./Chair of Governance-$43,000-$43,000
Andy GomezDIR./Chair of Audit CommitTEE-$39,250-$39,250
Lawrence GennariDIR./Chair of Financial PlANNING-$36,750-$36,750
Randall BehmDirector-$35,000-$35,000
Thomas GrafDIR./Chair of Investment COMMITTEE-$34,250-$34,250
Peter SegallDirector-$32,500-$32,500
Carol FulpDirector-$30,000-$30,000
John CurrierDirector-$28,750-$28,750

Highest Paid Contractors

ContractorServicesLocationCompensation
delta management associatesdebt collection assistance100 EVERETT AVE STE 6, chelsea, MA 02150$14,291,350
performant recoverydebt collection assistance333 north canyons parkway suite 10, livermore, CA 94551$13,956,265
iqordebt collection assistancepo box 951503, cleveland, OH 44193$9,498,653
f h cann & associatesdebt collection assistance1600 osgood street, north andover, MA 01845$7,382,144
West Asset Management Incdebt collection assistancePO Box 2140, Omaha, NE 68103$324,918
Revenue and Support

Revenue Composition

Contributions and Grants
$1,975,206
Program Service Revenue
$134,608,341
Investment Income
$11,034,006
Other Revenue
$69,205
All Other Contributions
$25,000
Change in Net Assets
$13,893,110

Audited Revenue Reconciliation

Revenue per Audited Statements
$147,566,006
Revenue Not Reported on Financial Statements
$120,752
Revenue Not Reported on Form 990
$41,759,261
Total Revenue per Audited Statements
$189,325,267
Total Revenue per Form 990
$147,686,758
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$70,044,433
Salaries, Compensation, and Employee Benefits$63,544,723
Total Fundraising Expense$476,646
Grants and Similar Amounts Paid$204,492
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$36,875,135$3,727,895$277,259$40,880,289
Current Officers, Directors, Trustees, and Key Employees$3,241,121$4,417,848$94,008$7,752,977
Other Employee Benefits$5,710,191$675,755$19,383$6,405,329
Occupancy$5,541,027$738,781-$6,279,808
Pension Plan Contributions$3,832,395$701,517$38,479$4,572,391
Payroll Taxes$3,355,278$563,396$15,063$3,933,737
Advertising$3,678,277--$3,678,277
Information Technology$2,591,924$345,924-$2,937,848
Office Expenses$1,543,769$1,212,825$113$2,756,707
All Other Expenses$1,073,320$536,614$1,730$1,611,664
Depreciation Depletion$773,937$604,243-$1,378,180
Other Expenses$830,133$647,049$18,368$647,049
Insurance-$642,506-$642,506
Travel$534,083$74,895$1,990$610,968
Conferences and Meetings$492,735$73,446$10,253$576,434
Fees for Services Legal-$238,712-$238,712
Fees for Services Accounting-$219,335-$219,335
Grants to Domestic Orgs$204,492--$204,492
Fees for Service Investment Mgmnt Fees-$120,752-$120,752
Fees for Services Lobbying-$52,642-$52,642
Total Functional Expenses$116,556,432$16,760,570$476,646$133,793,648

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$133,793,648
Expenses per Audited Statements$133,672,896
Total Expenses per Audited Statements$109,519,320
Expenses Not Reported on Financial Statements$120,752
Expenses Not Reported on Form 990$-24,153,576
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
consortium of universities of the washington metropolitan areawashington, DC501(c)(3)To collaborate with the agency to promote access to higher education in the Washington DC Metro area through the delivery of direct services, including the provision of admissions, financial aid, academic, and career advising services to individuals in the Washington, DC Metro area, especially those from low-income (within 150% of poverty level) and first-generation families (neither parent has graduated from a four year college).$204,492
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Pension$12,692,187
Reserve for Contingencies$2,583,592
Other$1,275,954
Deferred Income$961,771
Scholarships$179
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, line 11B

“THE FORM 990 IS PREPARED BY CBIZ TOFIAS, OUR NATIONAL TAX SERVICES FIRM WITH INFORMATION PROVIDED BY THE CONTROLLER AND CHIEF FINANCIAL OFFICER. THE FORM 990 IS REVIEWED BY THE CONTROLLER, VICE PRESIDENT GENERAL COUNSEL, senior VICE PRESIDENT OF FINANCE/CFO, AND PRESIDENT/CEO. THE FULLY COMPLETED FORM 990 IS THEN PROVIDED TO THE ENTIRE BOARD OF DIRECTORS FOR REVIEW AND APPROVAL BEFORE IT IS ELECTRONICALLY SUBMITTED TO THE INTERNAL REVENUE SERVICE.”

Form 990, Part VI, Section B, line 12C

“all officers, board members and key employees shall annually sign a statement which affirms that the person; has received a copy of the conflicts of interest policy, has read and understands the policy, and has agreed to comply with the policy. In addition, each Director, principal officer and member of a committee with Board-designed powers shall list his or her business affiliations, including memberships on Boards of other non-profit institutions, and shall also disclose any business relationships that members of his or her family have or are seeking with American Student Assistance. He or she shall also update the statement as appropriate during the year.”

Form 990, Part VI, Section B, line 15

“COMPENSATION REVIEWS FOR THE TOP MANAGEMENT OFFICIALs (PRESIDENT/CEO, senior vice president/coo, and senior vice president/cfo) AND MEMBERS OF SENIOR MANAGEMENT STAFF ARE CONDUCTED ANNUALLY IN THE SEPTEMBER TIMEFRAME BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. SENIOR MANAGEMENT STAFF CONSISTS OF ALL VICE PRESIDENTS OF THE ORGANIZATION. periodically, AN IN-DEPTH MARKET BENCHMARKING STUDY IS COMPILED FOR EACH SENIOR STAFF POSITION, INCLUDING THE CEO, coo, AND Cfo, UTILIZING PUBLISHED, INDEPENDENT, THIRD-PARTY COMPENSATION SURVEYS TO COMPARE CURRENT BASE SALARIES AND TOTAL COMPENSATION WITH THE SAME OR SIMILAR POSITIONS IN THE BOSTON GEOGRAPHIC AREA, IN SIMILAR-SIZED ORGANIZATIONS, PRIMARILY IN THE FINANCIAL SERVICES, EDUCATION AND NOT-FOR-PROFIT SECTors. ON A PERIODIC BASIS, THE HUMAN RESOURCES DEPARTMENT ALSO EXAMINES FORM 990 DATA FROM SIMILAR ORGANIZATIONS AND ALSO OBTAINS A SEPARATE COMPENSATION ANALYSIS WITH COMPARATIVE MARKET DATA FROM AN INDEPENDENT COMPENSATION CONSULTANT. THIS COMPARABILITY DATA IS SYNTHESIZED INTO A DETAILED REPORT WITH THE MARKET RANGES AND EACH INCUMBENT'S POSITION IN THE RANGE AND INCLUDES COMPARATIVE BASE SALARY AND TOTAL COMPENSATION MARKET DATA. THIS REPORT IS PRESENTED TO THE PRESIDENT/CEO WHO CONSIDERs THE DATA AND make decisions regarding individual senior management merit salary increases. THE ceo PRESENTs THE FULL REPORT ALONG WITH THEIR PERFORMANCE REVIEW AND SALARY RECOMMENDATIONS TO THE MEMBERs OF THE COMPENSATION COMMITTEE COMPRISED OF INDEPENDENT BOARD MEMBERS. THE COMPENSATION COMMITTEE discusses THE CEO's decisions for senior management staff. THE CEO ALSO REVIEWS AND MAKES A MERIT SALARY INCREASE RECOMMENDATION FOR THE Coo, and cfo WHICH IS ALSO PRESENTED TO THE COMPENSATION COMMITTEE FOR THEIR REVIEW AND approval. THE FULL BOARD OF DIRECTORS USES THE COMPARATIVE DATA TO REVIEW AND ESTABLISH THE COMPENSATION OF THE PRESIDENT/CEO. ANY ANNUAL INCENTIVE BONUS PLANS, THOUGH DISCRETIONARY, ARE ALSO APPROVED IN ADVANCE BY THE COMPENSATION COMMITTEE AND ANY PAYOUTS ARE DETERMINED BY THE COMPENSATION COMMITTEE BASED ON THE RESULTS OF PREVIOUSLY ESTABLISHED GOALS AND CRITERIA, OVERALL COMPANY PERFORMANCE, COMPARISON TO MARKET DATA, AND SUBJECT TO AN ANNUAL CAP. THE DELIBERATIONS AND DECISIONS OF THE COMPENSATION COMMITTEE ARE RECORDED CONTEMPORANEOUSLY IN THE MEETING MINUTES WHICH ARE RECORDED AND PRESERVED BY THE SPECIAL ASSISTANT TO THE PRESIDENT, ALONG WITH THE ANALYSIS DATA. KEY EMPLOYEES ARE NOT INCLUDED IN THE above-described COMPENSATION APPROVAL PROCESS. THEY ARE INCLUDED IN THE OVERALL PROCESS which includes EMPLOYEES UNDER THEIR MANAGEMEnt.”

Form 990, Part VI, Section C, line 19

“The governing documents, conflict of interest policy and financial statements are available upon request.”

Filing and Contact Details

Filer

Filer Name
Massachusetts Higher Education
EIN
04-2254705
Phone
6177284549
Address
100 CAMBRIDGE STREET, BOSTON, MA 02114
Doing Business As
American Student Assistance

Signing Officer

Name
barbara matez
Title
SVP FINANCE & CFO
Phone
6177284549
Signed
2018-02-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
jean eddy
Formed
1956
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
504
Volunteers
0

Preparer

Firm
Cbiz Mhm LLC
Address
500 Boylston Street, Boston, MA 02116
Preparer
Craig Klein
Phone
6177610600
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Pension Plan FAS 158 gain 24,084,371.”

Financial Statement Notes

Part V, Line 4:

“asa established asa fund llc ("asa fund", also referred to as "SALT sponsorship fund"), a single member llc established to hold funds designated by the board as a quasi-endowment for the benefit of the salt program.”

Part X, Line 2:

“asa accounts for the effect of any uncertain tax positions based on a "more likely than not" threshold to the recognition of the tax positions being sustained based on the technical merits of the position under scrutiny by the applicable taxing authority. If a tax position or positions are deemed to result in uncertainties of those positions, the unrecognized tax benefit is estimated based on a "cumulative probability assessment" that aggregates the estimated tax liability for all uncertain tax positions. asa has identified its tax status as a tax-exempt entity, its determination of which activities are related and unrelated and its presentation of certain net operating loss carryforwards as its only significant tax positions. asa, however, has determined that its position relative to tax status or determination of which activities are related and unrelated do not result in an uncertainty requiring recognition. The position on loss carryforwards is uncertain and thus such carryforwards have not been recognized as tax assets. asa is not currently under examination by any taxing jurisdiction. asa's Federal and state tax returns are generally open for examination for three years following the date filed.”

Part XI, Line 2D - Other Adjustments:

“SUB-LEASE RENTAL INCome NETTED AGAINST RENT EXPENSE for financial statement purposes. -653,346. rental expenses 584,141.”

Part XII, Line 2D - Other Adjustments:

“SUB-LEASE RENTAL INCome NETTED AGAINST RENT EXPENSE for financial statement purposes. -653,346. rental expenses 584,141. pension plan fas 158 gain -24,084,371.”

Raw XML AppendixShowing 400 of 1,206 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0PROVIDE ACCESS TO AND CONDUCT ACTIVITIES IN FURTHERANCE OF HIGHER EDUCATION.
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd468103
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0delta management associates
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1performant recovery
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2iqor
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3f h cann & associates
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4West Asset Management Inc
IRS990/ContractorCompensationGrp/ServicesDesc0debt collection assistance
IRS990/ContractorCompensationGrp/ServicesDesc1debt collection assistance
IRS990/ContractorCompensationGrp/ServicesDesc2debt collection assistance
IRS990/ContractorCompensationGrp/ServicesDesc3debt collection assistance
IRS990/ContractorCompensationGrp/ServicesDesc4debt collection assistance
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IRS990/CYProgramServiceRevenueAmt0134608341
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IRS990/Desc0Massachusetts Higher Education Assistance Corporation (MHEAC) RELIEVES THE BURDENS OF GOVERNMENT AND ASSISTS STUDENTS AND PARENTS IN SUCCESSFULLY COMPLETING A PROGRAM OF HIGHER EDUCATION BY CONTINUING TO ACT AS A GUARANTOR OF STUDENT LOANS MADE BY LENDERS, IN CONNECTION WITH THE FEDERAL HIGHER EDUCATION ACT OF 1965. IN ADDITION, MHEAC ENGAGES IN A VARIETY OF ACTIVITIES IN FURTHERANCE OF HIGHER EDUCATION.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1270459
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1363817
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1470256
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1574721
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1692925
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2254267
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2335704
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2440641
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2566873
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2643244
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2826420
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2969589
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt3063166
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt3170888
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt3278356
IRS990/Form990PartVIISectionAGrp/PersonNm0PAUL COMBE
IRS990/Form990PartVIISectionAGrp/PersonNm1RANDALL BEHM
IRS990/Form990PartVIISectionAGrp/PersonNm2John Currier
IRS990/Form990PartVIISectionAGrp/PersonNm3JEAN EDDY
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROL FULP
IRS990/Form990PartVIISectionAGrp/PersonNm5LAWRENCE GENNARI
IRS990/Form990PartVIISectionAGrp/PersonNm6ANDY GOMEZ
IRS990/Form990PartVIISectionAGrp/PersonNm7THOMAS GRAF
IRS990/Form990PartVIISectionAGrp/PersonNm8DIONE KENYON
IRS990/Form990PartVIISectionAGrp/PersonNm9DONALD REAVES
IRS990/Form990PartVIISectionAGrp/PersonNm10PETER SEGALL
IRS990/Form990PartVIISectionAGrp/PersonNm11John Zurick
IRS990/Form990PartVIISectionAGrp/PersonNm12BRIAN CURTIS
IRS990/Form990PartVIISectionAGrp/PersonNm13John CHRISTOPHER SHEEHAN
IRS990/Form990PartVIISectionAGrp/PersonNm14BARBARA MATEZ
IRS990/Form990PartVIISectionAGrp/PersonNm15SUSAN NATHAN
IRS990/Form990PartVIISectionAGrp/PersonNm16MICHAEL RYAN
IRS990/Form990PartVIISectionAGrp/PersonNm17GRACE BARTINI
IRS990/Form990PartVIISectionAGrp/PersonNm18Robert Moran
IRS990/Form990PartVIISectionAGrp/PersonNm19Alisa Wilke
IRS990/Form990PartVIISectionAGrp/PersonNm20Michael Kradas
IRS990/Form990PartVIISectionAGrp/PersonNm21David Snow
IRS990/Form990PartVIISectionAGrp/PersonNm22Frederick Archibald
IRS990/Form990PartVIISectionAGrp/PersonNm23Clay Colarusso
IRS990/Form990PartVIISectionAGrp/PersonNm24Julie Lammers
IRS990/Form990PartVIISectionAGrp/PersonNm25Robin Che
IRS990/Form990PartVIISectionAGrp/PersonNm26Kristi Pierce
IRS990/Form990PartVIISectionAGrp/PersonNm27Gregory Pakhladzhyan
IRS990/Form990PartVIISectionAGrp/PersonNm28Philip Imbrescia
IRS990/Form990PartVIISectionAGrp/PersonNm29Daniel Scott
IRS990/Form990PartVIISectionAGrp/PersonNm30Neeta Kotecha
IRS990/Form990PartVIISectionAGrp/PersonNm31Brenda Stazinski
IRS990/Form990PartVIISectionAGrp/PersonNm32michael finn
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt430000
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt639250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt734250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt843000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt954250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1032500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11342545
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14326271
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15280806
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16283896
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17179960
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18233569
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19227422
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20225168
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21221192
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22216418
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23198386
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24189606
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt25182920
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26170917
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27184511
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30173536
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt310
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt320
IRS990/Form990PartVIISectionAGrp/TitleTxt0President / CEO (until 7/15/16)
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIR./Chair of Comp; Interim Pres/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIR./Chair of Financial PlANNING
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIR./Chair of Audit CommitTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIR./Chair of Investment COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIR./Chair of Governance
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIR./Chair of Executive Committee
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11SALT President/EVP (until 11/07/16)
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP of ISD & CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP & General Counsel
IRS990/Form990PartVIISectionAGrp/TitleTxt14SVP Finance & CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15SVP & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP Borrower Services
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP Ombudsman (until 08/04/16)
IRS990/Form990PartVIISectionAGrp/TitleTxt18M.D. Risk Management
IRS990/Form990PartVIISectionAGrp/TitleTxt19M.D. Product Development
IRS990/Form990PartVIISectionAGrp/TitleTxt20M.D. Human Resources
IRS990/Form990PartVIISectionAGrp/TitleTxt21M.D. Strategic Alliances
IRS990/Form990PartVIISectionAGrp/TitleTxt22M.D. SHARED TECH SVCS
IRS990/Form990PartVIISectionAGrp/TitleTxt23M.D. Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt24M.D. Consumer Advocate & Govt. Relations
IRS990/Form990PartVIISectionAGrp/TitleTxt25M.D. of Borrowers Services
IRS990/Form990PartVIISectionAGrp/TitleTxt26M.D. CA Programs
IRS990/Form990PartVIISectionAGrp/TitleTxt27Dir. Of Legal Affairs & Deputy gen.
IRS990/Form990PartVIISectionAGrp/TitleTxt28Dir. Internal Audit/Risk Mgmt.
IRS990/Form990PartVIISectionAGrp/TitleTxt29Dir. Corp. Fin Plan & Analysis
IRS990/Form990PartVIISectionAGrp/TitleTxt30Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt31Dir. of Ops & Facilities
IRS990/Form990PartVIISectionAGrp/TitleTxt32former svp & cao
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd01
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IRS990/FSAuditedInd01
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IRS990/GamingActivitiesInd00
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IRS990/GrantAmt0204492
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossReceiptsAmt0171091510
IRS990/GrossRentsGrp/RealAmt0653346
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IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt0117
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InformationTechnologyGrp/ProgramServicesAmt02591924
IRS990/InformationTechnologyGrp/TotalAmt02937848
IRS990/InsuranceGrp/ManagementAndGeneralAmt0642506
IRS990/InsuranceGrp/TotalAmt0642506
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt011071420
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt0494540887
IRS990/IRPDocumentCnt086
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt016817778

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$586,643,442
Liabilities
$50,821,907
Net assets
$535,821,535
Revenue
$147,686,758
Expenses
$133,793,648
Net income
$13,893,110
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,114$127$987$154$115$38.8
2023Detailed filing. Detailed filing data is available for this year.$1,045$131$914$113$95.1$18.0
2022Detailed filing. Detailed filing data is available for this year.$945$126$820$81.9$69.3$12.6
2021Detailed filing. Detailed filing data is available for this year.$1,091$146$945$124$79.9$44.2
2020Detailed filing. Detailed filing data is available for this year.$828$18.2$810$83.1$70.6$12.6
2019Detailed filing. Detailed filing data is available for this year.$752$20.1$732$127$85.6$41.7
2018Detailed filing. Detailed filing data is available for this year.$638$34.3$604$124$86.5$37.5
2017Detailed filing. Detailed filing data is available for this year.$587$50.8$536$148$134$13.9
2016Detailed filing. Detailed filing data is available for this year.$512$55.5$456$165$124$40.7
2015Detailed filing. Detailed filing data is available for this year.$471$40.6$431$176$139$37.8
2014Detailed filing. Detailed filing data is available for this year.$438$50.2$388$266$169$96.4
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$375$49.9$326$234$185$48.6
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$319$57.3$262$173
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$235$41.1$194$124
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$170$50.5$120$120