National Council of Higher Education Loan Programs Inc
Public records show a registered, tax-exempt organization in good standing.
What it says it does
To provide superior advocacy, communications, regulatory analysis and engagement, and operational support to its members so they may effectively help students and families develop, pay for, and achieve their career, training, and postsecondary educational goals.
- Income
- $857,371
- Spending
- $633,389
- Spent on programs
- 80%
- Reserves
- 5.7 months of spending
- Largest source of income
- fees for its services, 99%
- Employees
- 2
- Volunteers
- 14
- Highest pay
- $118,606, director operations and meetings
Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Financial health
Good: 70 out of 100.
Reserves
20 of 35Spendable reserves would cover 5.7 months of spending.
Debt
5 of 20It owes 59% of what it owns.
Living within its means
15 of 15Income exceeded spending by 26% of income.
Income trend
15 of 15Income rose 9% on the year before.
Spending floor
15 of 1579% of spending went to programs.
Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Governance
Good: 89 out of 100.
Independent board
25 of 2514 of 14 voting board members are independent.
Conflict of interest policy
15 of 15Has a written conflict of interest policy.
Whistleblower policy
0 of 8Reports no written whistleblower policy.
Record keeping policy
7 of 7Has a written policy on keeping and destroying records.
Board minutes
5 of 5Keeps minutes of board meetings.
Board sees the tax return
10 of 10Gave the board a copy of this return before filing it.
Pay set independently
5 of 5Sets its chief executive's pay through independent review and comparison.
Independent check of accounts
12 of 15Its accounts were reviewed or compiled by an independent accountant, but not audited.
No reported misuse
10 of 10Reports no diversion of assets, excess benefits or loans to insiders.
Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Impact evidence
Describes programs. Its tax return describes what it does but we have found no measurable results in it.
Programs described in its return (4)
- $235,092 spent. NCHER provides advocacy activities on behalf of state, nonprofit, and private organizations involved in federal and private student loan programs and college access and success initiatives, through its ongoing involvement and outreach with Congress, the White House, the U.S. Department of Education, the Consumer Financial Protection Bureau, the Federal Communications Commission, and other federal agencies, associations, and organizations engaged in higher education financing and policy.
- $148,798 spent. NCHER holds two major educational conferences each year, which spans across the diverse memberships needs and addresses their areas of expertise. The NCHER Legislative and Leadership Conference is geared toward executive level staff in an effort to keep them abreast of federal and state developments impacting the higher education finance industry. The NCHER Annual Conference is open and designed for everyone across the industry and provides attendees with ample opportunities to network, learn, and take information back home that they can use in their current jobs from hearing about the current trends and hot topics to exploring new and potential business opportunities.
- $87,014 spent. The committee programs address operational and regulatory issues of interest to the student loan and grant community. The organizations main committees consist of the: College Access and Success Committee, Legal Affairs and Compliance Committee, Private Education Loan and Consumer Finance Committee, and Federal Program and Regulations Committee.
- $32,361 spent. NCHER provides membership and program services to its members in an effort to keep them apprised of federal, state, and industry actions and developments through publication of the NCHER Briefing, monthly conference calls, industry-focused webinars, and other initiatives in support of their public missions to assist students and families access and complete postsecondary education.
Source: Form 990 for the year ending June 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate
Legitimacy checks
Is it registered with the IRS? Passed.
Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Has the IRS revoked its tax-exempt status? Passed.
Not on the IRS automatic revocation list.
Source: Automatic revocation of exemption list, Internal Revenue Service, file dated November 6, 2026.
Are donations tax-deductible? Passed.
On the IRS list of organizations eligible to receive tax-deductible contributions.
Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.
Is it keeping up with its IRS filings? Passed.
Most recent return on file covers the year ending June 2025.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
How long has it been tax-exempt? Passed.
Recognized by the IRS since March 1983.
Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.
Is it in good standing with state regulators? Passed.
Not on California's list of charities barred from soliciting. Other states are not yet checked.
Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated November 4, 2026.
Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.