Civic Intelligence

Higher Education Loan Coalition

990EZ • Fiscal year 2024 • EIN 31-1716082

Jul 01, 2023 to Jun 30, 2024 • Filed on Oct 18, 2024

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 2024

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2024

Net Margin

88th percentile

43%

Higher net margin than 88% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

79th percentile

$0

Higher top officer pay than 79% of similar nonprofits.

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

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

63rd percentile

9.6%

Faster asset growth than 63% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

9th percentile

-55%

Faster revenue growth than 9% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Up

$66,619

Up $5,854 (+9.6%) from 2023

Net Assets

Up

$66,619

Up $5,854 (+9.6%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet Margin88th percentile

Revenue

Down

$13,658

Down $16,742 (-55%) from 2023

Expenses

Up

$7,803

Up $677 (+9.5%) from 2023

Net Income

Down

$5,855

Down $17,419 (-75%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth63rd 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

2024

Assets$66,619
Liabilities-
Net Assets$66,619
Open 2024 Filing

Operations Trend

Revenue Growth9th 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

2024

Revenue$13,658
Expenses$7,803
Net Income$5,855
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Oct 18, 2024
Return Version
2023v5.0
Gross Receipts
$13,658
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.-$7,803
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
RACHELLE FELDMANPast Chair-$0--
MELISSA KUNESChair-$0--
CHARLES KNEPFLEPast Chair-$0--
JULIE WICKSTROMTreasurer-$0--
MARY BOOKERDirector-$0--
SUZANNE DAYDirector-$0--
DELISA FALKSDirector-$0--
ELIJAH HERRDirector-$0--
ANGELA JOHNSONDirector-$0--
DEREK KINDLEChair-$0--
S KAY LEWISDirector-$0--
JEAN MCDONALD RASHDirector-$0--
MATTHEW MOOREDirector-$0--
MARY SHAWDirector-$0--
CRYSTAL MARTINEZDirector-$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
2024-10-18

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 meetings and conferences 6,095 total 6,095”

Raw XML Appendix171 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/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/BOYAmt060764
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt066619
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt013658
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt05855
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0721
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt060764
IRS990EZ/Form990TotalAssetsGrp/EOYAmt066619
IRS990EZ/GrossReceiptsAmt013658
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt060764
IRS990EZ/NetAssetsOrFundBalancesEOYAmt066619
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt060764
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt066619
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt7000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt8000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt9000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt10000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt13000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt14000.00
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/CompensationAmt120
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt130
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt140
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0RACHELLE FELDMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MELISSA KUNES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2CHARLES KNEPFLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JULIE WICKSTROM
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARY BOOKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5SUZANNE DAY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6DELISA FALKS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7ELIJAH HERR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8ANGELA JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9DEREK KINDLE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm10S KAY LEWIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm11JEAN MCDONALD RASH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm12MATTHEW MOORE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm13MARY SHAW
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm14CRYSTAL MARTINEZ
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PAST CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2PAST CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt10DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt11DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt12DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt13DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt14DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt06095
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0MONITOR AND PROMOTE FEDERAL STUDENT LOANS.
IRS990EZ/PrintingPublicationsPostageAmt0987
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/ProgramServiceExpensesAmt07803
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NC
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt07803
IRS990EZ/TotalProgramServiceExpensesAmt07803
IRS990EZ/TotalRevenueAmt013658
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0HIGHEREDLOANCOALITION.ORG
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt013658
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt030400
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt038900
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt036950
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt046350
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0166258
IRS990ScheduleA/InvestmentIncomeCYPct00.00000
IRS990ScheduleA/InvestmentIncomePYPct00.00000
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct01.00000
IRS990ScheduleA/PublicSupportPY509Pct01.00000
IRS990ScheduleA/PublicSupportTotal509Amt0166258
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt013658
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt030400
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt038900
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt036950
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt046350
IRS990ScheduleA/Total509Grp/TotalAmt0166258
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt013658
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt030400
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt038900
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt036950
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt046350
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0166258
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES MEETINGS AND CONFERENCES 6,095 TOTAL 6,095
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE WICKSTROM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum06173534176
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-10-18
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/PreparationDt02024-10-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KHALED HAZZOURI CPA
ReturnHeader/ReturnTs02024-10-22T15:01:13-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-07-01
ReturnHeader/TaxPeriodEndDt02024-06-30
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$66,619
Liabilities
-
Net assets
$66,619
Revenue
$13,658
Expenses
$7,803
Net income
$5,855
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