Your borrowers chose you for your streamlined, supportive, transparent origination experience. Why should their repayment experience be any different? Scratch extends your borrowers’ positive experience so they will remember you in the future and be more likely to refer you to their network.

Your student borrowers can track and manage their loan progress in just a few clicks through the Scratch platform - anywhere, anytime. Borrowers can log in to Scratch to make payments, set up Autopay, view important documents, see real-time loan and payments information, and more.

Students take on debt to get ahead, not to fall behind. As your servicing partner, we’re committed to helping your borrowers reach their goals – whether it’s finishing an undergraduate degree, completing a vocational program, or just staying on track with their financial health. Your borrowers can reach a Scratch Loan Guide in seconds via phone, chat, or email for personalized problem solving, empathetic guidance, and financial literacy basics.

Our technology-first platform is built to support innovation. Unlike most servicers, we're not limited by asset classes, features, or what's been done in the past. We’re ready to build custom features tailored to your student lending products – like variable interest rates or flexible accommodation policies – and support your expansion into new asset classes – like income share agreements (ISAs) or personal loans.

With Scratch you’ll never have to wonder if your reporting is accurate — or when it's going to arrive. Our technology handles the complexities of loan accounting to give you accurate, daily insights into your portfolio via our SFTP or our reporting API. Beyond automated loan accounting, the Scratch platform applies the outcomes of any student borrower’s life changes or loan updates real-time. No-interest forbearance? No problem. Your data will always be accurate, even when changes occur.

In an age of increasing competition, reducing the (historically inefficient) cost of servicing can make a real difference in helping you grow your business. Our technology automates the complexities associated with data, accounting, and compliance, so fewer costs are passed on to you as the lender. Scratch is committed to being an efficient and reliable servicing partner so you can put more resources into scaling your core business.

• Borrower inquiries via phone, email, and chat
• Delinquency management
• Collections until paid off or charged off
• Skip tracing
• Reporting to credit bureaus
• PACER, bankruptcy, OFAC, and SCRA monitoring