Civic Intelligence

Higher Education Loan Coalition

EIN 31-1716082 • 501(c)3 • Natick, MA

Profile

Monitor and promote federal student loans.

8 Concord StNatick, MA 01760

higheredloancoalition.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

94th percentile

70%

Higher net margin than 94% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

84th percentile

41%

Faster asset growth than 84% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

95th percentile

184%

Faster revenue growth than 95% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$93,791

Up $27,172 (+41%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Up

$93,791

Up $27,172 (+41%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin94th percentile

Revenue

Up

$38,800

Up $25,142 (+184%) from 2024

Expenses

Up

$11,629

Up $3,826 (+49%) from 2024

Net Income

Up

$27,171

Up $21,316 (+364%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth84th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200K$150K$100K$50K$0Assets 2017: $154,946Net Assets 2017: $154,9462017Assets 2018: $121,643Net Assets 2018: $121,6432018Assets 2019: $119,600Net Assets 2019: $119,6002019Assets 2020: $100,355Net Assets 2020: $100,3552020Assets 2021: $63,372Net Assets 2021: $63,3722021Assets 2022: $37,491Net Assets 2022: $37,4912022Assets 2023: $60,765Net Assets 2023: $60,7652023Assets 2024: $66,619Net Assets 2024: $66,6192024Assets 2025: $93,791Net Assets 2025: $93,7912025

Highlighted filing

2025

Assets$93,791
Liabilities-
Net Assets$93,791
Open 2025 Filing

Operations Trend

Revenue Growth95th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100K$50K$0-$50KRevenue 2017: $74,100Expenses 2017: $71,979Net Income 2017: $2,1212017Revenue 2018: $48,650Expenses 2018: $81,953Net Income 2018: -$33,3032018Revenue 2019: $76,750Expenses 2019: $78,793Net Income 2019: -$2,0432019Revenue 2020: $46,350Expenses 2020: $65,595Net Income 2020: -$19,2452020Revenue 2021: $36,950Expenses 2021: $73,933Net Income 2021: -$36,9832021Revenue 2022: $38,900Expenses 2022: $64,780Net Income 2022: -$25,8802022Revenue 2023: $30,400Expenses 2023: $7,126Net Income 2023: $23,2742023Revenue 2024: $13,658Expenses 2024: $7,803Net Income 2024: $5,8552024Revenue 2025: $38,800Expenses 2025: $11,629Net Income 2025: $27,1712025

Highlighted filing

2025

Revenue$38,800
Expenses$11,629
Net Income$27,171
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$93,791
Liabilities
-
Net assets
$93,791
Revenue
$38,800
Expenses
$11,629
Net income
$27,171
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.94$0.94$0.39$0.12$0.27
2024Detailed filing. Detailed filing data is available for this year.$0.67$0.67$0.14$0.08$0.06
2023Detailed filing. Detailed filing data is available for this year.$0.61$0.61$0.30$0.07$0.23
2022Detailed filing. Detailed filing data is available for this year.$0.37$0.37$0.39$0.65$0.26
2021Detailed filing. Detailed filing data is available for this year.$0.63$0.63$0.37$0.74$0.37
2020Detailed filing. Detailed filing data is available for this year.$1.00$1.00$0.46$0.66$0.19
2019Detailed filing. Detailed filing data is available for this year.$1.20$1.20$0.77$0.79$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.22$1.22$0.49$0.82$0.33
2017Detailed filing. Detailed filing data is available for this year.$1.55$1.55$0.74$0.72$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 25, 2025
Return Version
2024v5.0
Gross Receipts
$38,800
Mission and Program Overview

Mission

Monitor/promote federal student loans

Monitor and promote federal student loans.

Program Services

DescriptionGrantsExpenses
CREATED, MONITORED, DISTRIBUTED PRESS RELEASES, MAINTAINED INFORMATIVE WEB SITE, ADDED WEB TOOLS TO ASSIST DIRECT LOAN SCHOOLS, PROVIDED CONGRESS WITH DIRECT SCHOOL LOAN INFORMATION.-$11,629
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
CHARLES KNEPFLEPast Chair-$0--
SUZANNE DAYDirector-$0--
RACHELLE FELDMANPast Chair-$0--
JULIE WICKSTROMTreasurer-$0--
MATTHEW MOOREDirector-$0--
ANGELA JOHNSONDirector-$0--
ELIJAH HERRDirector-$0--
MELISSA KUNESChair-$0--
MARY SHAWDirector-$0--
DEBORAH AGREEDirector-$0--
DEREK KINDLEChair-$0--
Filing and Contact Details

Filer

Filer Name
Higher Education Loan Coalition
EIN
31-1716082
Phone
5087897084
Address
8 CONCORD ST, NATICK, MA 01760

Signing Officer

Name
Julie Wickstrom
Title
Treasurer
Phone
6173534176
Signed
2025-09-25

Preparer

Firm
Hazzouri Accounting & Tax Inc
Address
2200 N CANTON CENTER RD STE 140, CANTON, MI 48187-5037
Preparer
Khaled Hazzouri CPA
Phone
7348441614
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses office expenses 575 meetings and conferences 7,993 total 8,568”

Raw XML Appendix155 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.

Path#Value
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IRS990EZ/BooksInCareOfDetail/PhoneNum05087897084
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0881 COMMONWEALTH AVE 5TH FLOOR
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BOSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002215
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt066620
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt093791
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt038800
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt027171
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01235
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt066620
IRS990EZ/Form990TotalAssetsGrp/EOYAmt093791
IRS990EZ/GrossReceiptsAmt038800
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt066620
IRS990EZ/NetAssetsOrFundBalancesEOYAmt093791
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IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt093791
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt6000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt8000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt9000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt100
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0CHARLES KNEPFLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1SUZANNE DAY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2RACHELLE FELDMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JULIE WICKSTROM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MATTHEW MOORE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ANGELA JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6ELIJAH HERR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7MELISSA KUNES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MARY SHAW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9DEBORAH AGREE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10DEREK KINDLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PAST CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2PAST CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10CHAIR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt08568
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0MONITOR AND PROMOTE FEDERAL STUDENT LOANS.
IRS990EZ/PrintingPublicationsPostageAmt01826
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0CREATED, MONITORED, DISTRIBUTED PRESS RELEASES, MAINTAINED INFORMATIVE WEB SITE, ADDED WEB TOOLS TO ASSIST DIRECT LOAN SCHOOLS, PROVIDED CONGRESS WITH DIRECT SCHOOL LOAN INFORMATION.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt011629
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NC
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt011629
IRS990EZ/TotalProgramServiceExpensesAmt011629
IRS990EZ/TotalRevenueAmt038800
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0HIGHEREDLOANCOALITION.ORG
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt038800
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt013658
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt030400
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt038900
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt036950
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0158708
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0158708
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt038800
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt013658
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt030400
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt038900
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt036950
IRS990ScheduleA/Total509Grp/TotalAmt0158708
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt038800
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt013658
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt030400
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt038900
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt036950
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0158708
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES OFFICE EXPENSES 575 MEETINGS AND CONFERENCES 7,993 TOTAL 8,568
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE WICKSTROM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06173534176
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HIGHER EDUCATION LOAN COALITION
ReturnHeader/Filer/BusinessNameControlTxt0HIGH
ReturnHeader/Filer/EIN0311716082
ReturnHeader/Filer/PhoneNum05087897084
ReturnHeader/Filer/USAddress/AddressLine1Txt08 CONCORD ST
ReturnHeader/Filer/USAddress/CityNm0NATICK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001760
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203015884
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HAZZOURI ACCOUNTING & TAX INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02200 N CANTON CENTER RD STE 140
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CANTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0481875037
ReturnHeader/PreparerPersonGrp/PhoneNum07348441614
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KHALED HAZZOURI CPA
ReturnHeader/ReturnTs02025-09-25T14:16:15-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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