Civic Intelligence

Higher Education Loan Coalition

990EZ • Fiscal year 2020 • EIN 31-1716082

Jul 01, 2019 to Jun 30, 2020 • Filed on Sep 08, 2020

Organization ProfileHIGHEREDLOANCOALITION.ORG
8 Concord StNatick, MA 01760

(508) 789-7084

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on this filing.

Source year 2020

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2020

Net Margin

14th percentile

-42%

Higher net margin than 14% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Top Officer Pay

76th percentile

$0

Higher top officer pay than 76% of similar nonprofits.

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

2020 filings • 501(c)3 • <$500k nonprofits • Source year 2020

Asset Growth

22nd percentile

-16%

Faster asset growth than 22% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

29th percentile

-40%

Faster revenue growth than 29% of similar nonprofits.

2020 filings • 501(c)3 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$100,355

Down $19,245 (-16%) from 2019

Net Assets

Down

$100,355

Down $19,245 (-16%) from 2019

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin14th percentile

Revenue

Down

$46,350

Down $30,400 (-40%) from 2019

Expenses

Down

$65,595

Down $13,198 (-17%) from 2019

Net Income

Down

-$19,245

Down $17,202 (-842%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth22nd percentile

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

$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

2020

Assets$100,355
Liabilities-
Net Assets$100,355
Open 2020 Filing

Operations Trend

Revenue Growth29th percentile

Revenue, expenses, and net income across loaded years, with this 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

2020

Revenue$46,350
Expenses$65,595
Net Income-$19,245
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2019 to Jun 30, 2020
Signed
Sep 8, 2020
Return Version
2019v5.0
Gross Receipts
$46,350
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.-$65,595
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JEAN RASHChairperson-$0--
CHARLES KNEPFLEChairman-$0--
S KAY LEWISDirector-$0--
SUZANNE DAYDirector-$0--
RACHELLE FELDMANChair Elect-$0--
ROBERTA JOHNSONDirector-$0--
JULIE WICKSTROMTreasurer-$0--
MATTHEW MOOREDirector-$0--
MARGARET RODRIGUEZDirector-$0--
MICHAEL MILLERDirector-$0--
ANGELA JOHNSONDirector-$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
5087897084
Signed
2020-09-08

Preparer

Firm
Hazzouri Accounting & Tax Inc
Address
2200 N CANTON CENTER RD STE 170, CANTON, MI 48187
Preparer
Khaled Hazzouri CPA
Phone
7348441614
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses office expenses 337 board meeting expenses 5,744 merchant processing fees 1,211 total 7,292”

Raw XML Appendix162 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
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BOSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002215
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0119600
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0100355
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt046350
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-19245
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt056997
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0119600
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0100355
IRS990EZ/GrossReceiptsAmt046350
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0119600
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0100355
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt101.00
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/PersonNm0JEAN RASH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1CHARLES KNEPFLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2S KAY LEWIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3SUZANNE DAY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4RACHELLE FELDMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5ROBERTA JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6JULIE WICKSTROM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7MATTHEW MOORE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8MARGARET RODRIGUEZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9MICHAEL MILLER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10ANGELA JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0CHAIRPERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CHAIRMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4CHAIR ELECT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt07292
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0MONITOR AND PROMOTE FEDERAL STUDENT LOANS.
IRS990EZ/PrintingPublicationsPostageAmt01306
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/ProgramServiceExpensesAmt065595
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NC
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt065595
IRS990EZ/TotalProgramServiceExpensesAmt065595
IRS990EZ/TotalRevenueAmt046350
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0HIGHEREDLOANCOALITION.ORG
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt046350
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt076750
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt048650
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt035000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt071411
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0278161
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0278161
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt046350
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt076750
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt048650
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt035000
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt071411
IRS990ScheduleA/Total509Grp/TotalAmt0278161
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt046350
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt076750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt048650
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt035000
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt071411
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0278161
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES OFFICE EXPENSES 337 BOARD MEETING EXPENSES 5,744 MERCHANT PROCESSING FEES 1,211 TOTAL 7,292
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02021-01-29 14:40:06Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE WICKSTROM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05087897084
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-09-08
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HIGHER EDUCATION LOAN COALITION
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0C/O JULIE WICKSTROM
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0C05967568981D1A79497A0B76D178748AB1F720E
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0C793F5368C459609E73BBA042F4105D2D81D0B60
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0198.24.160.157
ReturnHeader/FilingSecurityInformation/IPDt02020-10-28
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm011:43:15
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0203015884
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HAZZOURI ACCOUNTING & TAX INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02200 N CANTON CENTER RD STE 170
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CANTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd048187
ReturnHeader/PreparerPersonGrp/PhoneNum07348441614
ReturnHeader/PreparerPersonGrp/PreparationDt02020-10-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KHALED HAZZOURI CPA
ReturnHeader/ReturnTs02020-10-28T11:43:15-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02019-07-01
ReturnHeader/TaxPeriodEndDt02020-06-30
ReturnHeader/TaxYr02019

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$100,355
Liabilities
-
Net assets
$100,355
Revenue
$46,350
Expenses
$65,595
Net income
-$19,245
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