Unisa

What Unisa does

UNISA Inc. (legal name UNISA INC., DBA "UNISA") is a privately held loan servicing company founded in 1976 and headquartered at 7400 East Arapahoe Road, Suite 10, Englewood, Colorado. The company specializes in servicing campus-based loans for higher education institutions, with its portfolio centered on Federal Perkins Loan servicing, institutional loan programs, private education loans, tuition payment plans, and student accounts receivable management. UNISA serves public, private, non-profit, and for-profit colleges and universities across the United States, functioning as a third-party servicer that partners with school financial aid offices to manage the full lifecycle of loans from origination through payoff. The firm holds NMLS license #1836396 and maintains compliance with FERPA and the Gramm-Leach-Bliley Act.

The company operates a web-based loan servicing platform that supports electronic Master Promissory Note signing, loan origination, payment processing, and account management for both institutional clients and student borrowers. Notable platform capabilities include a Secure Online Reporting System (SORS) for institutional portfolio management, an Online Promissory Notes Portal enabling electronic execution of Master Promissory Notes for Federal Perkins Loans and other institutional loans, an electronic entrance counseling quiz system for student borrowers, and SSL-encrypted payment processing. Borrower-facing services include free eBilling and free Auto Pay features, accessed through a self-service portal at borrower.unisainc.com. The platform also offers a Borrower Forms Library covering deferment, forbearance, and cancellation requests for Perkins, Health Professions, Nurse Faculty, and Talent Development loan programs.

UNISA generates revenue through three streams: loan servicing fees for campus-based loans, tuition payment plan administration, and origination fees for institutional and private education loan programs. Pricing is not publicly disclosed; services are provided under contractual arrangements with educational institutions. The company employs between 11 and 50 staff and markets its services primarily through direct enterprise field sales targeting college and university financial aid offices, supplemented by content marketing (blog, LinkedIn), industry association participation in COHEAO and CSPEN, and a toll-free contact line. Since founding, UNISA has expanded its product portfolio from Federal Perkins Loan servicing to include tuition payment plans, private education loans, institutional loan programs, and accounts receivable management, in response to evolving demand from its higher education customer base.

Name

Unisa

Legal name

UNISA INC.

Website

https://unisainc.com

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

UNISA Inc. is a privately held US loan servicer founded in 1976 that specializes in campus-based loan servicing for higher education institutions, including Federal Perkins Loans, institutional loans, private education loans, and tuition payment plans, serving public and private colleges.

Ownership category

akta.pro rank

Product category

Higher Education Loan Servicing

NAICS

Educational Support Services (611710), Educational Services (611)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Educational Services (8200)

akta.pro primary industry

Financial Aid Compliance, Verification & Satisfactory Academic Progress (SAP) (EDALAJAH)

akta.pro secondary industries

Funding, Finance & Grants Reporting (Allocations, Claims, Reconciliation) (EDADAIAG), Compliance, State Reporting & Education Data Exchange (Ed-Fi/SIF) (EDAFAEAO)

Keywords

• Student loan servicing
• Higher education financing
• Federal Perkins loans
• Tuition payment plans
• Institutional loan programs

Headquarters

HQ city

Englewood

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Loan Servicing Fees: UNISA earns fees for servicing campus-based loans including Federal Perkins Loans, institutional loans, private education loans, and managing student account receivables for colleges and universities.
2. Tuition Payment Plan Administration: Administration of tuition payment plans for educational institutions, managing installment payments for students.
3. Origination Fees: Fees for originating and setting up institutional loan programs and private education loans.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

UNISA Inc. is a loan servicing firm dedicated to the higher education marketplace since 1976. The company services campus-based loan receivables including the Federal Perkins Loan Program, private education loans, institutional loan programs, tuition payment plans, and student account receivables for public, private, non-profit, and for-profit colleges and universities. UNISA operates as both a servicer and originator, supporting institutions from loan inception through payoff with web-based servicing technology.

Product overview

UNISA is a loan servicing platform for the higher education marketplace, offering a unified suite of services centered around campus-based loan receivables and the Federal Perkins Loan Program. The core portfolio includes Federal Perkins Loan Servicing, Private Education Loans, Institutional Loan Programs, Tuition Payment Plans, and Accounts Receivable Management. Additional value-added services include eBilling and Auto Pay (both free of fees), a Secure Online Reporting System (SORS), Electronic Promissory Notes for eSign capabilities, a Borrower Forms Library, and UNISA Career Support powered by Career EDGE. The platform positions itself as a pre-collections strategic partner providing financial literacy information and repayment experience for Public, Private, Non-Profit, and For-Profit Colleges and their alumni borrowers.

Differentiator

Problem solved

Functional benefit

Products and services

• Federal Perkins Loan Servicing

Named customers5 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• IBMC CollegescoreStrategic or Co-development Partner · 14 June 2020UNISA has partnered with IBMC Colleges to provide institutional loan servicing and student financing programs. UNISA helps schools bridge the unfunded tuition gap with student friendly financing programs that enhance enrollment, confront attrition, and reduce discounting.
• COHEAOminorOthersUNISA is a member of COHEAO (Conference on Student Financial Issues), participating in membership Zoom Town Hall Meetings. COHEAO awards scholarships to students attending member institutions.
• CSPENminorOthersUNISA participates in the CSPEN education community, supporting CSPEN 2020 annual conference and educational initiatives.
• Career EDGEminorStrategic or Co-development PartnerUNISA Career Support powered by Career EDGE provides support resources to help keep student loan payments on track.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ECMC Group: ECMC is a nonprofit focused on student loan servicing, default prevention, and college access. Comparable mission and institutional higher-ed clientele but operates a broader portfolio and programs.
• MOHELA: MOHELA is a major federal student loan servicer with overlapping institutional higher-education relationships. Comparable as a higher-ed loan servicer but at much greater scale and with federal loan concentration.
• Aidvantage (Navient): Navient's Aidvantage is a major federal student loan servicer. Comparable only at the broad student-loan-servicing category level; does not focus on the campus-based niche UNISA serves.
• Nelnet Servicing: Nelnet is one of the largest US student loan servicers handling federal Direct Loans at scale, plus campus-based products. Comparable business model but vastly broader portfolio and institutional scope than UNISA.

Direct peers

• Granite State Management & Resources: Granite State is a nonprofit servicer specializing in Federal Perkins Loans and health professions student loans. Directly comparable niche federal campus-based loan servicer.
• Inceptia: A nonprofit division of NSLP that provides student loan servicing, default prevention, and financial education to schools. Directly comparable as a higher-education focused loan servicer targeting similar institutional clients.
• Trellis Company: Trellis (formerly TG Holdings) is a nonprofit that services Perkins and Health Professions loans primarily for Texas institutions. Closely comparable niche Perkins-focused servicer.
• ECSI (Education Services Inc.): ECSI is a direct competitor offering campus-based loan servicing, tuition payment plans, and student A/R management for colleges and universities. Highly comparable to UNISA across Perkins, institutional, and private student loan servicing.
• University Accounting Service (UAS): UAS provides campus-based loan servicing, tuition payment plans, and student A/R management to colleges. Closely comparable niche player in higher education loan administration.

Emerging players

• Pioneer Educational Cooperative: Smaller, regional providers of school-side loan servicing and compliance support. Comparable as emerging adjacent players in institutional loan program administration rather than direct Perkins specialists.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/unisainc

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unisa