Smart Borrowing Let’s help students become more knowledgeable borrowers. Our Smart Borrowing program gives schools the tools to help their students become knowledgeable borrowers with easy-to-understand debt letters, helpful reminders and online resources to help them get on track no matter where they are in the journey. LOAN SUMMARY A simple, effective, uncomplicated solution to help you help increase borrower awareness. Learn More STUDENT KNOWLEDGE HQ A comprehensive, secure website providing student borrowers with tools, support and financial knowledge. Learn More NEWS & EVENTS News: Institutional Balance Outreach from Inceptia Unlocks Financial Roadblocks for Students Find my representative