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Industry Leading Educational Debt Recovery

S & S Recovery, Inc. was founded in December 1984 as a full-service collection service company. We have provided collection services for Federal Perkins/National Direct Student Loans (NDSL accounts) since 1985.

Our agency handles all accounts with the highest level of professionalism and integrity. We have over 35 years of experience in the student loan debt collection industry, and our management team has over 200 years combined experience in the collection industry.

S & S Recovery, Inc. specializes in the recovery of receivables and loans for higher education institutions and has specialized in this area since its inception. S & S Recovery, Inc. is proud to say that 100% of our client base consists of Higher Education student debt. S & S Recovery, Inc. is #1 in customer service.

We have put thought into our slogan, “Large Enough to Serve, Small Enough to CARE!” This slogan is what embodies S & S Recovery, Inc. You always have access to our staff. Your students have access to our agents. S & S Recovery, Inc. also utilizes a Virtual Agent that accepts one-time online payments, as well as, recurring online payments from students any time of the day or night.

Meeting the demands of your institution and maximizing your returns are our primary goals. Exceptional service and continued technological advancements ensure your complete satisfaction with the services we offer.


S & S Recovery, Inc. is licensed by the State of Tennessee Collection Service Board and currently meets or exceeds all bonding and licensing requirements. We stay actively involved in the higher education community so that we can keep our clients updated of industry changes and current on collection regulations.

Our membership and good standing with professional organizations ensures quality services and ethical business practices. We currently maintain membership affiliations with the following organizations:

+ American Collectors Association
+ Tennessee Collectors Association
+ Bartlett Chamber of Commerce
+ Better Business Bureau
+ Texas BUC$ Platinum Sponsor
+ Professional Development Group