Civic Intelligence

Higher Education Loan Coalition

990EZ • Fiscal year 2021 • EIN 31-1716082

Jul 01, 2020 to Jun 30, 2021 • Filed on Aug 05, 2021

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 2021

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2021

Net Margin

7th percentile

-100%

Higher net margin than 7% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

2021 filings • 501(c)3 • <$500k nonprofits • Source year 2021

Asset Growth

11th percentile

-37%

Faster asset growth than 11% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Revenue Growth

31st percentile

-20%

Faster revenue growth than 31% of similar nonprofits.

2021 filings • 501(c)3 • <$500k nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$63,372

Down $36,983 (-37%) from 2020

Net Assets

Down

$63,372

Down $36,983 (-37%) from 2020

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin7th percentile

Revenue

Down

$36,950

Down $9,400 (-20%) from 2020

Expenses

Up

$73,933

Up $8,338 (+13%) from 2020

Net Income

Down

-$36,983

Down $17,738 (-92%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth11th 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

2021

Assets$63,372
Liabilities-
Net Assets$63,372
Open 2021 Filing

Operations Trend

Revenue Growth31st 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

2021

Revenue$36,950
Expenses$73,933
Net Income-$36,983
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2020 to Jun 30, 2021
Signed
Aug 5, 2021
Return Version
2020v4.0
Gross Receipts
$36,950
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.-$73,933
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JEAN RASHDirector-$0--
CHARLES KNEPFLEChairman-$0--
S KAY LEWISDirector-$0--
SUZANNE DAYDirector-$0--
RACHELLE FELDMANChair Elect-$0--
ROBERTA JOHNSONDirector-$0--
JULIE WICKSTROMTreasurer-$0--
MATTHEW MOOREDirector-$0--
ANGELA JOHNSONDirector-$0--
MARY SHAWDirector-$0--
MELISSA KUNESDirector-$0--
DIANE CORBETTDirector-$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
2021-08-05

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 merchant processing fees 1,177 total 1,177”

Raw XML Appendix173 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
CompensationExplanation/CompensationExplanationGrp/PersonNm0JEAN RASH
CompensationExplanation/CompensationExplanationGrp/PersonNm1CHARLES KNEPFLE
CompensationExplanation/CompensationExplanationGrp/PersonNm2S KAY LEWIS
CompensationExplanation/CompensationExplanationGrp/PersonNm3SUZANNE DAY
CompensationExplanation/CompensationExplanationGrp/PersonNm4RACHELLE FELDMAN
CompensationExplanation/CompensationExplanationGrp/PersonNm5ROBERTA JOHNSON
CompensationExplanation/CompensationExplanationGrp/PersonNm6JULIE WICKSTROM
CompensationExplanation/CompensationExplanationGrp/PersonNm7MATTHEW MOORE
CompensationExplanation/CompensationExplanationGrp/PersonNm8ANGELA JOHNSON
CompensationExplanation/CompensationExplanationGrp/PersonNm9MARY SHAW
CompensationExplanation/CompensationExplanationGrp/PersonNm10MELISSA KUNES
CompensationExplanation/CompensationExplanationGrp/PersonNm11DIANE CORBETT
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JULIE WICKSTROM
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/BOYAmt0100355
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt063372
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt036950
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-36983
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt071820
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0100355
IRS990EZ/Form990TotalAssetsGrp/EOYAmt063372
IRS990EZ/GrossReceiptsAmt036950
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0100355
IRS990EZ/NetAssetsOrFundBalancesEOYAmt063372
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0100355
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt063372
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt101.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt111.00
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/CompensationAmt110
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/PersonNm8ANGELA JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9MARY SHAW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10MELISSA KUNES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11DIANE CORBETT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR
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/OfficerDirectorTrusteeEmplGrp/TitleTxt11DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt01177
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0MONITOR AND PROMOTE FEDERAL STUDENT LOANS.
IRS990EZ/PrintingPublicationsPostageAmt0936
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/ProgramServiceExpensesAmt073933
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NC
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt073933
IRS990EZ/TotalProgramServiceExpensesAmt073933
IRS990EZ/TotalRevenueAmt036950
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0HIGHEREDLOANCOALITION.ORG
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt036950
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt046350
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt076750
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt048650
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt035000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0243700
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0243700
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt036950
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt046350
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt076750
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt048650
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt035000
IRS990ScheduleA/Total509Grp/TotalAmt0243700
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt036950
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt046350
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt076750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt048650
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt035000
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0243700
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES MERCHANT PROCESSING FEES 1,177 TOTAL 1,177
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE WICKSTROM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum05087897084
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-08-05
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/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/PreparationDt02021-08-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KHALED HAZZOURI CPA
ReturnHeader/ReturnTs02021-08-27T09:48:22-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JULIE
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0WICKSTROM
ReturnHeader/TaxPeriodBeginDt02020-07-01
ReturnHeader/TaxPeriodEndDt02021-06-30
ReturnHeader/TaxYr02020

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$63,372
Liabilities
-
Net assets
$63,372
Revenue
$36,950
Expenses
$73,933
Net income
-$36,983
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