What We Do

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S & S Recovery, Inc. has been offering quality and reliable debt collection services for the higher education industry for more than 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. We specialize in the following types of educational debt recovery:

  • Tuition Account Receivable
  • Perkins Loans (Perkins Default Recovery)
  • Institutional Loans
  • Nursing Loans
  • Health professional Loans
  • Pell Grants

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
  • Custom Progress & Analysis Reports
  • Litigation Services
  • Skip Tracing
  • Virtual Agent Payment Portal
  • Asset Searches
  • Credit Reporting


Large enough to serve, Small enough to CARE has always been our motto. And while providing exceptional recovery rates and improving your bottom line is our primary goal, we understand your collection needs go further than simply maximizing returns. We take the time to educate your students on their financial obligations and find mutually-beneficial payment solutions that effectively get your institution paid while putting your students in a better position for settling their debts in the future.

At S & S Recovery, Inc. we act as an extension of your institution and uphold your best interests and core principles when working with your students. Integrity and professionalism encompass every account handled by our staff. Our collectors maintain ethical and lawful collection practices when recovering you delinquent payments and are trained to act in full compliance with the Fair Debt Collection Practices Act, as well as all state and federal collection laws.