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S & S Recovery, Inc. has been offering quality and reliable debt collection services for the higher education industry for over 35 years. In addition to assisting clients and borrowers in resolving their delinquent debt, we offer payment plans, rehabilitation, loan consolidation, deferment, and forbearance programs.

S & S Recovery, Inc. specializes in providing full-service debt collection & recovery through specific methods including:

  • Third-Party Collections
  • Cohort Management
  • Free Pre-Collect Letter Service
  • Progress & Analysis Reports
  • Litigation Services
  • Skip Tracing
  • Virtual Agent Payment Portal
  • Asset Searches
  • Credit Reporting

Student-friendly approach to collections

resulting in industry-leading recovery results

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“S & S Recovery, Inc. has been a collection agency for our Perkins program for 16 plus years. They have done an excellent job in collecting and maintaining our cohort default rates. Each employee we have dealt with has been very knowledgeable of the necessary regulations that go with the Perkins program, which helps in the collection of our accounts. It has been a pleasure to allow S & S Recovery, Inc. to serve as our collection agency.”
University of Central Arkansas
“The representatives of S & S Recovery, Inc. are ALWAYS helpful and informative, and their willingness to address any concerns is greatly appreciated. My opinion of S & S Recovery, Inc. is unswerving in the quality of service they provide and I anticipate a constant relationship with S & S Recovery, Inc. for many years to come!”
Tulane University
"We have used S&S Recovery for almost 10 years now.  They have helped tremendously in recovering our student account debts.  Their customer service and communication are outstanding!  We look forward too many more years of working together." 
Mississippi State University
"S&S Recovery Inc. has been one of our collection agencies since 2016. Our partnership has increased the University’s ability to collect past due receivables. Their prompt collection action, courteous, and knowledgeable service has improved our collection rate, especially on our past due Federal Perkins Loans."
Virginia State University
"For nearly ten years S & S Recovery, Inc. has been our partner in collections. Since day one UWA has been fortunate to have a great personal relationship with their team, where we are much more than just another client."
University of West Alabama
"S&S Recovery, Inc has been extremely successful in collecting our delinquent accounts receivables since 2009. Their experienced and professional staff not only deliver the highest level of service, they deliver results.   Their commitment to uphold our values and reputation is equally as important as their collection success. They continue to exceed at both!"
Birmingham-Southern College
"S & S Recovery, Inc., has been instrumental in our collections process since 2014.  Their portal is user-friendly for easy access to student accounts and payments.  We appreciate that S & S Recovery, Inc.’s customer service is prompt and professional and are pleased to work with them!"  
El Paso Community College
“S & S Recovery has been our collection agency since 2008.  We are very impressed with their courteous and prompt handling of our accounts. Our collection rate has improved considerably since we began using S & S Recovery.” 
William Carey University
“We will only be placing accounts with S & S since your whole staff is so good to work with. If we could get the other two agencies to release what we have with them, we would send you everything we have! Even your statements are easier to process on our end.  I personally appreciate your help and patience!  Thanks again. “
Missouri Valley College
“S&S Recovery has been my most valued collection service for Perkins loans and student accounts receivables.  I have always been impressed by their dedication to assist Hendrix College with their collection efforts, and I plan to continue utilizing them for as long as I’m with the school.  Thanks, S&S Recovery!”
Hendrix College