Lincoln, Neb. (March 3, 2025) – Inceptia is pleased to announce the addition of Joe Jovell to its Business Development Team as the newest representative supporting higher education institutions in the New England territory. With over 25 years of experience in higher education finance, Joe brings deep expertise in financial aid, student success strategies, and institutional partnerships.

Throughout his career, Joe has built strong relationships with colleges and universities, helping them navigate the evolving landscape of student financial services. His background in field sales, account management, B2B marketing, and technical product support makes him an invaluable resource for schools seeking innovative solutions to enhance student access and financial well-being.

Adam Davy, Vice President of Business Development at Inceptia, emphasized the importance of additional support, stating, “The Northeast is home to a diverse range of institutions that play a critical role in shaping the future of higher education. Joe is the perfect fit, a native of Massachusetts and residing in New England, he is well positioned to support schools across the Northeast. We are excited to have Joe on board to strengthen our commitment to the region.”

Joe holds a Bachelor’s degree from Springfield College and has spent his career aligning institutional goals with financial aid solutions that empower students to make informed borrowing decisions. His passion for student success and institutional collaboration aligns perfectly with Inceptia’s nonprofit mission of supporting schools in fostering higher education completion and financial wellness.

Please join us in welcoming Joe Jovell to the Inceptia Business Development Team!

ABOUT INCEPTIA
Inceptia, a nonprofit organization, provides innovation and leadership in higher education access and success through engaging and empowering students and streamlining processes. While our name and solutions have evolved, Inceptia is pleased to bring more than 35 years of experience helping millions of students achieve their higher education dreams at schools nationwide. Our mission is to support schools in illuminating a path towards educational and financial success for students and families, allowing them to pursue their dreams of reaching their full potential. Our solutions are designed to support student success by helping schools maximize resources, so they can spend more time delivering meaningful learning experiences across the student lifecycle that fosters education and personal development.

By Deana Unger, Chief Operations Officer, Inceptia

For millions of Americans, the return of student loan payments has been anything but smooth. After more than three years of paused payments, many borrowers are struggling to find their footing again – and the data paints a troubling picture. An analysis of government data by VantageScore reveals that a staggering 43% of borrowers have yet to resume making payments. The consequences are already impacting their financial lives, with credit scores dropping and access to essentials like mortgages, car loans, and credit cards slipping further out of reach.

But beyond the numbers, there’s an even bigger issue: confusion. Many borrowers are unsure about what they owe, whether they qualify for repayment assistance, or if their loans may eventually be forgiven. Some even have expressed uncertainty about taking out their student loans in the first place. This time of ambiguity and change is making it harder for people to get back on track – pushing them deeper into financial distress just when they need stability the most.

A Perfect Storm of Misinformation and Delinquency

The root of this crisis lies in a perfect storm of rapid changes and inconsistencies in messaging. When federal student loan payments were first paused due to the pandemic, the relief felt like a lifeline. Over time, some assumed the pause would last indefinitely or that large-scale debt forgiveness would erase their balances. Even though the broad-based loan forgiveness has been ended, many still believe that relief is on the horizon.

Simultaneously, loan servicers have struggled to reconnect with borrowers. Some individuals have not understood payments were resuming, as notifications from servicers didn’t reach them due to outdated contact information. In some cases, they did not respond to telephone and other attempts because they didn’t recognize the servicer. Others simply didn’t understand what they needed to do to restart payments. As recently reported in the Wall Street Journal article, Steep Drop in Credit Scores Hits Student-Loan Borrowers, Shiloh Garcia, a nurse in California, thought her payments were still on hold – only to discover that her credit score had taken a significant hit due to reported delinquencies. Stories like hers are becoming all too common, and without intervention, many more borrowers will be blindsided by financial consequences they didn’t anticipate.

The Changing Landscape of Income-Based Repayment

For those struggling to make payments, income-driven repayment (IDR) plans, including the newly introduced SAVE plan, were designed to provide relief. However, even these programs are now facing uncertainty. There is increasing concern that IDR programs could be weakened or completely eliminated. If that occurs, millions of borrowers who depend on these plans to manage their payments could find themselves with a higher payment amount, which could result in a rise in delinquencies.

Inceptia Expertise

As a nonprofit dedicated to helping borrowers successfully repay their student loans, Inceptia is deeply concerned about the current state of the industry. With delinquency rates for schools as high as 40%, there is a clear need to provide empathy and guidance to borrowers are struggling. Firsthand, we’ve encountered borrowers who are completely unaware of their repayment obligations – some mistakenly believed their loans were forgiven, while others didn’t even realize they had taken out a loan. This highlights a critical gap in borrower’s understanding of their student loan repayment options. Borrowers need clear guidance and from a caring and dedicated resource to help them navigate repayment and regain financial stability. At the same time, institutions need a trusted partner to safeguard their reputation and ensure their financial aid programs remain in good standing.

Inceptia's Repayment Counseling Outreach program is designed to support borrowers during these difficult times. By helping each borrowers determine their best path forward through education and support, we help them succeed with long term and short-term solutions to their repayment issues, thereby reducing stress and preventing negative credit impacts. By providing personalized guidance, we help borrowers understand their repayment options, navigate income-driven plans, and resolve any confusion about their loans. With the right outreach and advocacy, we are making a tangible difference in the lives of borrowers and the institutions that serve them.

What Comes Next?

The solution isn’t a temporary fix – it’s proactive approach. By working with Inceptia, institutions can more effectively provide borrower outreach and clearer communication which will help implement sustainable solutions that genuinely assist borrowers in navigating repayment. Together we can and will do better in ensuring that borrowers understand where their loans are serviced, when they are due, how much they owe, and most importantly, how they can repay them in a manner consistent with their budget and responsibilities.

Learn more about Inceptia tools to manage repayment counseling at Inceptia.org, TalkToUs@inceptia.org or 888.529.2028.

If your Cohort Default Rate (CDR) looks low, you might assume your institution is in the clear. But the numbers tell a different story. Over 40% of borrowers are currently not making payments – and many have no plans to start. It’s imperative for you to monitor your delinquency rate to get a true understanding of the impact to your CDR.

This hidden wave of delinquencies is more than just a statistic; it’s a financial risk that could significantly impact your school’s future.

To truly understand the financial impact on your institution, you must monitor your delinquency rate – not just your CDR.

What’s at Stake?

A rising CDR comes with serious consequences:

• 15%+ CDR – Triggers multiple federal aid disbursements, creating administrative burdens.
• 30%+ CDR for three years – Puts Pell Grant and Direct Loan eligibility at risk.
• 40%+ CDR for even one year – Leads to immediate sanctions.

With repayment challenges mounting, institutions must move beyond CDR as a lagging indicator and take proactive action to track and address borrower delinquencies early.

Gain Visibility, Take Action

Inceptia’s Delinquency Tracker provides real-time insights into borrower repayment trends, equipping you with the data needed to identify at-risk borrowers before defaults happen. By leveraging NSLDS School Portfolio data, our tracker helps you:

• Pinpoint your school’s true delinquency rate
• Spot trends and risk factors before they impact your CDR
• Take strategic action to prevent defaults and protect federal aid eligibility

Don’t Wait for the Numbers to Catch Up

The stakes are too high to rely on outdated data. Proactive delinquency tracking is the key to staying ahead of rising CDRs, safeguarding student success, and maintaining your institution’s financial health.

See your delinquency rate today and measure the impact. Access the Delinquency Tracker now.

Lincoln, Neb. (December 11, 2024) – Inceptia, a leading nonprofit organization dedicated to supporting student success and financial wellness, is excited to announce a new system-wide contract with Virginia’s Community College System (VCCS). This contract ensures that all VCCS institutions have access to Inceptia’s Repayment Wellness solutions, offering tools to streamline processes, protect Cohort Default Rates (CDRs), and empower students to succeed.

 

Under this agreement, VCCS colleges can leverage Inceptia’s suite of Repayment Wellness tools:

• Grace Counseling Outreach: Supporting borrowers proactively before they enter repayment.
• Repayment Counseling Outreach: Helping delinquent borrowers get back on track and reduce default risk.
• Loan Summary: Keeping students informed of their debt while still in school to promote better financial decisions.
• Financial Avenue: Empowering students with online financial education that equips them with essential money management skills.

 

Inceptia has a current contract with VCCS to provide its Financial Aid Services product suite, including:

• Verification Gateway: Engaging students with a fully-automated, user-friendly platform to streamline financial
  aid verification.
• PJ Advisor: Managing special circumstances efficiently with an easy-to-use virtual platform.

 

“This system-wide agreement allows VCCS colleges to leverage Inceptia’s proven solutions to improve borrower outcomes, streamline financial aid processes and support students while also eliminating the need for each school to conduct their own RFP process. That saves time and resources while offering pre-approved pricing to all VCCS colleges,” said Laurie Owens, Director of Financial Aid.

 

“We are thrilled to expand our partnership with the Virginia Community College System,” said David Macoubrie, president and CEO, Inceptia. “This agreement underscores Inceptia’s commitment to supporting institutions with innovative solutions that reduce administrative burden and enhance the student experience.”

 

For more information on Inceptia’s solutions or to schedule a consultation, visit inceptia.org or email TalkToUs@inceptia.org

 

ABOUT INCEPTIA

Inceptia enables colleges and universities to strengthen relationships and boost enrollment using dynamic tools and personal outreach programs that empower students to successfully navigate admissions and financial aid. With tailored solutions and a nonprofit’s commitment to service, we remove barriers for students so schools can focus on what matters most – guiding them toward a rich and rewarding life through higher education.

 

 

The University of Nebraska–Lincoln (UNL) is committed to empowering students at every stage of their academic journey through access and support. With a focus on student-centered solutions, UNL prioritizes financial aid access as a cornerstone of enrollment management. Central to this mission is ensuring students complete the FAFSA, a critical step in securing financial support and advancing their educational opportunities.

Overcoming Competing Priorities

Despite a solid outreach process, UNL faced significant challenges. Husker Hub, the university’s one-stop financial and enrollment services center, was handling a high volume of in-person and virtual traffic. With the team short by four full-time staff members and a rise in minimum wage for student workers, creating budget constraints, the university struggled to maintain consistent, impactful outreach.

“We’re always committed to doing what’s best for our students,” shared Justin Chase Brown, Director of Scholarships & Financial Aid. “But with staff shortages and the increasing demands on our Husker Hub, we simply didn’t have the capacity to reach every student.”

UNL needed an efficient and effective, goal-driven solution to address these limitations without overburdening its resources.

Implementing a Targeted, Effective Solution

To meet these challenges, UNL partnered with Inceptia to implement the FAFSA Completion Outreach Program. This partnership allowed UNL to focus its efforts on specific groups of students while alleviating the workload on internal staff.

Using a multi-touchpoint approach, Inceptia engaged students through personalized communication, answered their questions, and encouraged FAFSA completion within a concentrated time frame.

“We started small with a pilot group of returning Pell-eligible students who hadn’t filed their FAFSA nor enrolled,” explained Justin. “The team at Inceptia helped us stay focused and ensured we reached students who needed it the most.” For the FAFSA Completion Outreach Program, UNL prioritized all new incoming students who had not yet filed a FAFSA and all enrolled returning students who were Pell-eligible the previous year who had not yet filed a FAFSA. This campaign was timed to begin shortly after the last day to add/drop courses (UNL census date) to boost FAFSA completion for enrolled students.

This structured, data-driven approach provided UNL the capacity to connect with students who might have otherwise been overlooked, delivering measurable results to demonstrate the program’s impact.

Proven Results

In just two weeks, the program began to demonstrate its value. Inceptia successfully contacted 683 students by phone, achieving an impressive 51% contact rate and a remarkable 75% email open rate. Upon completion of the outreach for the campaign, 10% of the prioritized students had already filed their FAFSA within the campaign period, with additional submissions anticipated.

The smaller pilot group of 116 returning Pell-eligible students yielded even stronger outcomes, which was 46 enrollments, highlighting the power of personalized outreach in driving student action.

“This program gave us the capacity and focus we needed,” Justin said. “It’s not just about numbers–it’s about ensuring every student gets the opportunity to succeed.”

A Scalable Investment in Partnership

UNL’s successful partnership with Inceptia underscores the value of collaboration and outsourcing in higher education. By leveraging a service partnership with external expertise, UNL achieved measurable results without overburdening its budget or internal resources.

Brown encourages other institutions to explore similar strategies: “Don’t hesitate to use every tool at your disposal. Grants, partnerships, and outsourcing can make a world of difference in ensuring students get the support they need without overloading your team.”

Looking ahead, UNL plans to expand these efforts, demonstrating that targeted outreach programs not only support individual students but also drive institutional success.

Discover the Difference FAFSA Outreach Can Make

To hear from Justin Chase Brown, Director of Scholarships & Financial Aid at the University of Nebraska-Lincoln, listen to this on-demand webinar as he answers questions from schools nationwide and dives deeper into FAFSA Completion Outreach.  

 

Many schools may feel a false sense of security seeing their Cohort Default Rate (CDR) sitting at zero. However, now is not the time to sit back and relax. According to recent survey data, over 30% of borrowers are not making payments and have no plans to do so. This paints a stark reality: while a low CDR may look like a sign of financial health, it doesn’t tell the full story. Missed payments are already piling up, and unless schools take immediate action, those delinquencies will turn into defaults, directly impacting future CDRs – and the institution's financial and operational health.

 

The Danger of a Zero CDR

Right now, every school is benefiting from a zero CDR due to the COVID-19 repayment pause. But this is temporary. Beneath the surface, countless borrowers are struggling financially, and the return to repayment will bring a surge in delinquencies and defaults. The zero CDR you see today is no guarantee of future stability. Schools that fail to act now are setting themselves up for a sudden, potentially catastrophic rise in defaults.

 

The Consequences of Rising CDRs

When your CDR rises, the consequences can be severe. If your institution hits a 15% CDR, the Department of Education requires that you move from single to multiple disbursements for federal financial aid. This seemingly small change can cause significant disruptions for students, leading to delayed access to funds. Can you imagine how frustrated your students will be when their disbursements are delayed and split into multiple payments? This will inevitably result in a flood of customer service issues, putting enormous strain on your financial aid department and tarnishing the institution’s reputation.

Even more alarming, schools with a 30% or higher CDR for three consecutive years risk losing eligibility for federal student aid programs, including Pell Grants and Direct Loans. A single year with a CDR above 40% can lead to immediate sanctions. These penalties can devastate your institution’s ability to support students and maintain enrollment levels, with long-term financial repercussions.

 

Delinquency Rate: Your Window into Future CDR

To stay ahead, it’s imperative to check your delinquency rate in late December or early January, as this can provide a critical glimpse into what your 2023 CDR might look like. If your delinquency rate is high at that time, there’s a strong chance your future CDR will reflect this unless immediate action is taken. There’s only one year left to make a difference and lower that CDR before it solidifies. Schools that act now can still bring down those rates, but ignoring rising delinquencies will lead to inevitable spikes in defaults.

 

Why Delinquency Management Is Critical

If you’re only watching your CDR without addressing rising delinquencies, you’re missing the real issue. Delinquencies build silently before defaults, and ignoring them will lead directly to dangerous CDR spikes. By taking action now to manage delinquencies, you can protect both your students and your institution from these dire consequences.

 

The Time to Act Is NOW

Even if your CDR is zero today, the return to repayment means you cannot afford to wait. Schools need to take swift action to monitor delinquencies and support borrowers before defaults rise. The alternative is dealing with the costly impact of CDR increases and the operational headaches that come with it. Addressing delinquencies today can save your institution from losing federal aid eligibility and prevent chaos in your financial aid office.

 

How Inceptia Can Help You Stay Ahead

Inceptia offers comprehensive solutions to help schools proactively promote positive borrowing and manage delinquencies before they turn into defaults. From student loan repayment wellness programs to real-time data insights, Inceptia equips you to stay ahead of the curve – protecting students from future loan defaults and safeguarding your institution’s financial health.

Visit our Repayment Counseling Outreach page to learn more and connect with us with your questions.

   

Lincoln, Neb. (August 27, 2024) – Inceptia, a nonprofit organization dedicated to empowering students with financial knowledge, is launching a new addition to its long-standing series “Great Advice” with “Great Advice for College Students 2024.” This e-guide, created in collaboration with finance experts at Nerdwallet, is designed to equip college students with timely financial tips and tools in digital format, making it easier to integrate smart financial practices into their daily lives.

 

"Navigating college involves more than just academics and social life. It's about making smart financial choices that can impact your future," said Michelle Lisec-Talarico, Director of Marketing at Inceptia. "With ‘Great Advice for College Students,’ we aim to provide students with the insights they can use now to manage their money wisely, promoting a stronger foundation for their financial future."

 

Highlights from this issue include:

• What College Students Need to Know About Payment Apps: A comprehensive guide to understanding the security features and fees associated with popular payment apps, ensuring students can use these tools safely and effectively.
• 4 Ways to Turn the ‘Loud Budgeting’ Trend Into a Habit: Discover how the 'Loud Budgeting' trend can make budgeting fun and visible, transforming it into a regular part of your financial routine.
• Federal Student Loan Interest Rates Will Hit Some Record Highs: Stay informed about the rising federal student loan interest rates and learn how to manage your education funding effectively.
• How to Pick a College Bank Account as Carefully as You Pick a College: A guide to choosing the right bank account, helping students minimize fees and maximize convenience.

“Great Advice for College Students 2024” is available as an e-guide, allowing students to read, share, and save these articles to check back in whenever they need them.

View, share and save Great Advice for College Students 2024 here!

 

ABOUT INCEPTIA

Inceptia, enables colleges and universities to strengthen relationships and boost enrollment using dynamic tools and personal outreach programs that empower students to successfully navigate admissions and financial aid. With tailored solutions and a nonprofit’s commitment to service, we remove barriers for students so schools can focus on what matters most – guiding them toward a rich and rewarding life through higher education.

 

ABOUT NERDWALLET

NerdWallet (Nasdaq: NRDS) is on a mission to provide clarity for all of life’s financial decisions. As a personal finance website and app, NerdWallet provides consumers with trustworthy and knowledgeable financial information so they can make smart money moves. From finding the best credit card to buying a house, NerdWallet is there to help consumers make financial decisions with confidence. Consumers have free access to our expert content and comparison shopping marketplaces, plus a data-driven app, which helps them stay on top of their finances and save time and money, giving them the freedom to do more. NerdWallet is available for consumers in the U.S., United Kingdom, Canada and Australia.

 

“NerdWallet” is a trademark of NerdWallet, Inc. All rights reserved. Other names and trademarks used herein may be trademarks of their respective owners.

 

Lincoln, Neb. (July 23, 2024) – Inceptia is pleased to announce the appointment of Adam Davy as the new Vice President of Business Development. With nearly 15 years of sales leadership experience, Davy has a proven history of driving growth and achieving exceptional results through a strategic approach to sales, meticulous attention to metrics, and an unwavering focus on delivering outstanding outcomes.

 

“We are thrilled to welcome Adam Davy to our leadership team,” said David Macoubrie, president and CEO of Inceptia. “Adam’s extensive experience and strategic approach to sales make him the perfect fit for our organization.”

 

Davy joins us from Diligent, where he successfully led North American Sales. His impressive background also includes key roles at Brightbytes, Premier Learning, Amplify, and Education Elements.

 

"I am very excited to join the Inceptia team and further their mission to serve students, families and higher education institutions in the pursuit of improving lives through continued education. Our communities need knowledge, clarity and support in an increasingly complex world and Inceptia is playing a key role in this effort," said Davy.

 

Davy will be based in Denver and will play a crucial role in executing our sales strategy. He joins our exceptional Business Development Team who are committed to fully realizing our mission as a non-profit organization committed to helping students and families achieve their higher education dreams.

 

ABOUT INCEPTIA
Inceptia helps colleges, universities and trade schools strengthen relationships and boost enrollment using agile, dependable solutions that enable students to successfully navigate admissions and financial aid, borrow wisely and resolve their loan repayment challenges. With tailored solutions, a deeply knowledgeable staff and a nonprofit’s commitment to service, Inceptia serves as an extension of your team, empowering you to reach, influence and close the loop with students faster so you can focus on what matters most – student success.

 

Lincoln, Neb. (May 7, 2024) – Inceptia, a nonprofit organization dedicated to empowering students with financial knowledge, has announced the release of the latest addition to its “Great Advice” series of online e-guides. Developed in collaboration with personal finance experts at NerdWallet, “Great Advice for Grads 2024” is designed to assist recent graduates in navigating the transition to managing finances after college.

 

As thousands of graduates prepare to embark on the next phase of their lives post-college, the journey toward financial independence can often feel overwhelming. To address this challenge, Inceptia and NerdWallet have pooled their expertise to provide practical guidance on various aspects of personal finance, covering topics such as:

 

• Budgeting Basics: Establishing a budget tailored to individual needs, ensuring expenditures remain within income limits.
• Tackling Student Loans: Providing strategies for managing student loan repayment, including exploring repayment options and developing a personalized plan.
• Spring Cleaning Your Finances: Offering tips on streamlining bank accounts, consolidating accounts, and eliminating unnecessary fees to optimize financial efficiency.
• Building Generational Wealth: Encouraging early consideration of long-term financial goals with the understanding that balance is key.

 

“Mastering finances is a journey, not a destination,” remarks Michelle Lisec-Talarico, Director of Marketing at Inceptia. “We hope these articles emphasize the importance of seeking assistance and continuous learning as individuals navigate their financial paths, adjusting strategies as circumstances evolve. From Inceptia and NerdWallet, we aim to provide graduates with valuable insights to propel them in the right direction.”

 

“Great Advice for Grads 2024” is a concise resource available as a complimentary download, suitable for individuals seeking foundational knowledge or a refresher on managing their finances effectively.

 

ABOUT INCEPTIA
Inceptia, enables colleges and universities to strengthen relationships and boost enrollment using dynamic tools and personal outreach programs that empower students to successfully navigate admissions and financial aid. With tailored solutions and a nonprofit’s commitment to service, we remove barriers for students so schools can focus on what matters most – guiding them toward a rich and rewarding life through higher education.

 

ABOUT NERDWALLET
NerdWallet (Nasdaq: NRDS) is on a mission to provide clarity for all of life’s financial decisions. As a personal finance website and app, NerdWallet provides consumers with trustworthy and knowledgeable financial information so they can make smart money moves. From finding the best credit card to buying a house, NerdWallet is there to help consumers make financial decisions with confidence. Consumers have free access to our expert content and comparison shopping marketplaces, plus a data-driven app, which helps them stay on top of their finances and save time and money, giving them the freedom to do more. NerdWallet is available for consumers in the U.S., UK, Canada and Australia.

 

Lincoln, Neb. (March 7, 2024) – The “Great Advice” series of online e-guides is gathered by Inceptia, a nonprofit organization with a mission to empower students with financial knowledge. The latest addition to the series, Great Advice for FAFSA, specifically seeks to help students understand and manage the new FAFSA and its delay.

 

Crafted with the aim of empowering students to comprehend and manage the current state of FAFSA, this special edition of “Great Advice” provides insights and actionable tips for students grappling with the repercussions of FAFSA simplification.

 

"FAFSA simplification was envisioned to streamline the application process for students and families. However, despite its shorter format, delays have ensued, causing some turbulence," remarks Michelle Lisec-Talarico, Director of Marketing at Inceptia. "For first-time filers, the anticipation of financial aid hangs in the balance. Return filers, meanwhile, strive to focus on their studies amidst uncertainty about their financial assistance."

 

Lisec-Talarico emphasizes the ever present FAFSA-related discourse, stating, "Hardly a day passes without another article or announcement from associations, educational institutions, or media outlets regarding FAFSA. Fortunately, there is a collective commitment to offer guidance and understanding, despite the shifting timelines. “Great Advice for FAFSA” serves resource, providing an overview of the current FAFSA landscape and offering actionable guidance as the process evolves."

 

“Great Advice for FAFSA” represents Inceptia’s collaboration with the personal finance experts at NerdWallet to provide the most current information, including the state of the FAFSA.

 

"Great Advice for FAFSA" is a quick read available as a complimentary download for dissemination among all audiences seeking clarity on navigating the FAFSA process.

 

ABOUT INCEPTIA
Inceptia, enables colleges and universities to strengthen relationships and boost enrollment using dynamic tools and personal outreach programs that empower students to successfully navigate admissions and financial aid. With tailored solutions and a nonprofit’s commitment to service, we remove barriers for students so schools can focus on what matters most – guiding them toward a rich and rewarding life through higher education.

 

ABOUT NERDWALLET
NerdWallet (Nasdaq: NRDS) is on a mission to provide clarity for all of life’s financial decisions. As a personal finance website and app, NerdWallet provides consumers with trustworthy and knowledgeable financial information so they can make smart money moves. From finding the best credit card to buying a house, NerdWallet is there to help consumers make financial decisions with confidence. Consumers have free access to our expert content and comparison shopping marketplaces, plus a data-driven app, which helps them stay on top of their finances and save time and money, giving them the freedom to do more. NerdWallet is available for consumers in the U.S., UK, Canada and Australia.