{"success":true,"data":{"_id":541204566,"filings":[{"Organization":{"value":null,"Person":["RON GAMBILL","JIMMY PARKER","SCOTT A GILES","EUGENE HUTCHINS","ANGELA BAIER","DAVID FEITZ","SCOTT D GILES","RANDY HEESACKER","JANICE HINES","LEVIS HUGHES","BEN LITLE","MICHAEL NEMELKA","WENDY MCALISTER","TERRY MUILENBURG","WILLIAM C SHAFFNER","BILL NORBERT","JAMES BERGERON","PAMELA SHEPHERD"],"Title":["DIRECTOR - CHAIR","DIRECTOR - IMMEDIATE PAST","DIRECTOR-CHAIR-ELECT","TREASURER","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","PRESIDENT - SECRETARY","DIRECTOR, COMMUNICATIONS"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,357582,132327],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,291812,111493],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,65770,20834]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help families and students develop, pay for, and attain their educational goals so they can pursue meaningful and rewarding work and become contributing members of society.","year":2018,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2018-07-01T00:00:00","tax_period_end":"2019-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1259757,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1209850,"Total revenue":{"value":1209850,"MEMBERSHIP DUES":859600,"CONFERENCE FEES":195675,"VOLUNTARY ASSESSMENT":102000,"SPECIAL MEETINGS":31875,"SPONSOR":20700},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":30031,"Investment income total":29722,"Net investment gain":309,"Income from invest bond proceeds":0},"Other revenues":{"value":19876,"Other total":5901,"Royalties revenue":0,"Net rental income":13975,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1437460,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":809730,"Current officers":399571,"Disqualified persons":0,"Other salaries and wages":266181,"Pension plan contributions":20995,"Other employee benefits":88563,"Payroll taxes":34420},"Other expenses":{"value":627730,"Management services":0,"Legal":0,"Accounting":45175,"Lobbying services":93363,"Investment management fees":20254,"Other services":188080,"Advertising":0,"Office expenses":22366,"Information technology":18669,"Royalties":0,"Occupancy":113888,"Travel":84244,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6769,"Insurance":6198,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":26724,"BOARD OF DIRECTOR EXPEN":11651,"BAD DEBT EXPENSE":7065,"DUES AND SUBSCRIPTIONS":6891,"RESEARCH/OUTREACH":1117},"All other expenses":2000},"Functional Expenses":{"value":null,"Program Service Expenses":1079598,"Management And General Expenses":357862,"Fundraising Expenses":0}},"Assets":{"value":1811641,"Non-interest bearing cash":61670,"Savings and temp cash investments":506652,"Pledges and grants receivable":0,"Accounts receivable":41116,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":10867,"Land, building, equipment":7034,"Investments publicly traded":1172320,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11982},"Liabilities":{"value":561043,"Sum of Total Liabilities":0,"Accounts payable, accrued":121710,"Grants payable":0,"Deferred, revenue":436983,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":2350},"Fund balance":{"value":1250598,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1250598,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7510455943121895,"percentile":0.5743404251891117},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1410613316695204,"percentile":0.18749361839239942},"Liabilities to Assets Ratio":{"score":0.3096877361463999,"percentile":0.19776380497285462},"Operating Reserve Ratio":{"score":1.2603070694141054,"percentile":0.489371716395605},"Officer Compensation Ratio":{"score":0.3408157444381061,"percentile":0.15286486708241617},"Program Expense Growth":{"score":-0.057730082097436214,"percentile":0.18676590679870883},"Revenue Growth":{"score":-0.06944839420237842,"percentile":0.18451077606540697},"Asset Growth":{"score":-0.017592552504186277,"percentile":0.2539596117221273},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.421531498659811,"percentile":0.15792070327412921}},"source_xml":"202011019349301951_public.xml"},{"Organization":{"value":null,"Person":["James Bergeron","Stefanie Gramm","Terry Muilenburg","Bill Norbert","Nathan Hench","Dan Fisher","Ron Gambill","Randy Heesacker","James T Farha","Angela Baier","Christiana Thornton","Jimmy Parker","Wendy McAlister","Scott D Giles","Eugene Hutchins","Scott A Giles"],"Title":["President-SecretaryCEO","Director Operations and Meet","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Treasurer","Chair","Chair-Elect","Immediate Past-Chair"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0],"Total Compensation":[412600,151665,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[338652,114436,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[73948,37229,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"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.","year":2020,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2020-07-01T00:00:00","tax_period_end":"2021-06-30T00:00:00","address":"1050 Connecticut Avenue NW STE 6579, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1088695,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":986334,"Total revenue":{"value":986334,"Membership Dues":806783,"Conference Fees":127701,"Special Meetings":8850,"Sponsorship":43000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":95753,"Investment income total":21115,"Net investment gain":74638,"Income from invest bond proceeds":0},"Other revenues":{"value":6608,"Other total":1533,"Royalties revenue":0,"Net rental income":5075,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1277722,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":769575,"Current officers":453088,"Disqualified persons":0,"Other salaries and wages":124077,"Pension plan contributions":53240,"Other employee benefits":106774,"Payroll taxes":32396},"Other expenses":{"value":508147,"Management services":0,"Legal":0,"Accounting":30177,"Lobbying services":82586,"Investment management fees":0,"Other services":277193,"Advertising":0,"Office expenses":19968,"Information technology":21689,"Royalties":0,"Occupancy":49933,"Travel":1197,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1282,"Insurance":6469,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":3795,"Board of Director expenses":200,"Dues and subscriptions":595,"Speaker fees":3000},"All other expenses":13858},"Functional Expenses":{"value":null,"Program Service Expenses":942838,"Management And General Expenses":334884,"Fundraising Expenses":0}},"Assets":{"value":1547938,"Non-interest bearing cash":0,"Savings and temp cash investments":443436,"Pledges and grants receivable":0,"Accounts receivable":53114,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1820,"Land, building, equipment":0,"Investments publicly traded":1047587,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":1981},"Liabilities":{"value":666976,"Sum of Total Liabilities":0,"Accounts payable, accrued":64252,"Grants payable":0,"Deferred, revenue":524500,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":78224,"Other liabilities":0},"Fund balance":{"value":880962,"Net assets without donor restriction":401592,"Net assets with donor restriction":479370,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7379054285674036,"percentile":0.5630396429635955},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.1736271407510827,"percentile":0.1657995153137183},"Liabilities to Assets Ratio":{"score":0.43088030657558635,"percentile":0.15497523077250822},"Operating Reserve Ratio":{"score":1.2114826229805857,"percentile":0.478156660756844},"Officer Compensation Ratio":{"score":0.4416179732367448,"percentile":0.09422005941743951},"Program Expense Growth":{"score":-0.06103593348990801,"percentile":0.18209410274712703},"Revenue Growth":{"score":-0.0860838701398744,"percentile":0.16056492838027117},"Asset Growth":{"score":-0.029704275400918398,"percentile":0.21406476961175858},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4036544728610634,"percentile":0.1273456453235682}},"source_xml":"202220589349300257_public.xml"},{"Organization":{"value":null,"Person":["JAMES LEIGHTON","JIMMY PARKER","MARY HEID","EUGENE HUTCHINS","RON GAMBILL","SCOTT GILES","RANDY HEESACKER","JANICE HINES","WENDY MCALISTER","TERRY MUILENBURG","ANGELA BAIER","DIANA BARBER","LEVIS HUGHES","MICHAEL NEMELKA","WILLIAM C SHAFFNER","BRUCE WAGNER","JAMES BERGERON","TIMOTHY FITZGIBBON","PAMELA SHEPHARD"],"Title":["DIRECTOR - CHAIR","DIRECTOR - IMMEDIATE PAST CHAIR","DIRECTOR-CHAIR-ELECT","TREASURER","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","PRESIDENT - SECRETARY","VICE PRESIDENT DEBT MANAGE","DIRECTOR, COMMUNICATIONS"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,297956,217515,123436],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,245213,177478,105496],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,52743,40037,17940]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help families and students develop, pay for, and attain their educational goals so they can pursue meaningful and rewarding work and become contributing members of society.","year":2016,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2016-07-01T00:00:00","tax_period_end":"2017-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":16,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1583337,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1544636,"Total revenue":{"value":1544636,"MEMBERSHIP DUES":1159236,"CONFERENCE FEES":276925,"SPONSOR":38000,"SPECIAL MEETINGS":35475,"STANDARDS FEES":35000},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":24765,"Investment income total":28688,"Net investment gain":-3923,"Income from invest bond proceeds":0},"Other revenues":{"value":13936,"Other total":3286,"Royalties revenue":0,"Net rental income":10650,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1595275,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":956230,"Current officers":308462,"Disqualified persons":0,"Other salaries and wages":450112,"Pension plan contributions":45634,"Other employee benefits":109157,"Payroll taxes":42865},"Other expenses":{"value":639045,"Management services":0,"Legal":0,"Accounting":48126,"Lobbying services":91698,"Investment management fees":0,"Other services":148437,"Advertising":0,"Office expenses":39621,"Information technology":21592,"Royalties":0,"Occupancy":113837,"Travel":104060,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6687,"Insurance":11251,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":27287,"EQUIPMENT RENTALS AND M":19829,"DUES AND SUBSCRIPTIONS":6236,"RESEARCH/OUTREACH":1222},"All other expenses":26449},"Functional Expenses":{"value":null,"Program Service Expenses":1252701,"Management And General Expenses":342574,"Fundraising Expenses":0}},"Assets":{"value":1955402,"Non-interest bearing cash":207486,"Savings and temp cash investments":648606,"Pledges and grants receivable":0,"Accounts receivable":27690,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":33536,"Land, building, equipment":20573,"Investments publicly traded":1005026,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12485},"Liabilities":{"value":687757,"Sum of Total Liabilities":0,"Accounts payable, accrued":127924,"Grants payable":0,"Deferred, revenue":550530,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":9303},"Fund balance":{"value":1267645,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1267645,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7852570873360393,"percentile":0.6077956707724779},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.007539772013159548,"percentile":0.3662200033872198},"Liabilities to Assets Ratio":{"score":0.351721538588996,"percentile":0.1814110348014611},"Operating Reserve Ratio":{"score":1.2257460312485309,"percentile":0.4814834874245669},"Officer Compensation Ratio":{"score":0.4004996003823792,"percentile":0.11445842268822157},"Program Expense Growth":{"score":-0.03753040692540479,"percentile":0.22026116515752772},"Revenue Growth":{"score":-0.04860792770403585,"percentile":0.2228066064345909},"Asset Growth":{"score":0.005626924142495593,"percentile":0.3435249312624358},"Independent Voting Board Pct":{"score":0.9411764705882353,"percentile":0.26299051702139165},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.41242865914672683,"percentile":0.14203691997193016}},"source_xml":"201810389349300966_public.xml"},{"Organization":{"value":null,"Person":["JAMES LEIGHTON","TERRY MUILENBURG","JIMMY PARKER","DANA RUSSELL","LEVIS HUGHES","WENDY MCALISTER","WILLIAM C SHAFFNER","QUENTIN WILSON","RANDY HEESACKER","RON GAMBILL","SCOTT GILES","SCOTT E MILLER","DIANA BARBER","MICHAEL NEMELKA","EUGENE HUTCHINS","MARY HEID","JAMES BERGERON","TIMOTHY M FITZGIBBON","MARK PUTMAN","SEAN DEVEREY","SHELDON REPP"],"Title":["DIRECTOR - MEMBER AT LARGE","DIRECTOR - IMMEDIATE PAST CHAIR","DIRECTOR - CHAIRMAN","DIRECTOR - TREASURER","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR - CHAIR-ELECT","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","PRESIDENT - SECRETARY","VICE PRESIDENT DEBT MANAGE","CHIEF TECHNOLOGY OFFICER","VICE PRESIDENT OF GOVERNMENT RELATIONS","SENIOR ADVISOR AND COUNSEL"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0,20.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,165879,215159,181882,126425,193201],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,154880,171321,144738,110879,154392],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,10999,43838,37144,15546,38809]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help families and students develop, pay for, and attain their educational goals so they can pursue meaningful and rewarding work and become contributing members of society.","year":2014,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2014-07-01T00:00:00","tax_period_end":"2015-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":16,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1833496,"Contributions":{"value":3470,"Other contributions":3470,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1751125,"Total revenue":{"value":1731355,"MEMBERSHIP DUES":1360628,"CONFERENCE FEES":287102,"SPONSOR":30700,"STANDARDS FEES":27500,"SPECIAL MEETINGS":25425},"Total other revenue":19770,"Unrelated business revenue":0},"Investment income":{"value":55688,"Investment income total":55688,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":23213,"Other total":6213,"Royalties revenue":0,"Net rental income":17000,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1786846,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":981400,"Current officers":363491,"Disqualified persons":0,"Other salaries and wages":438586,"Pension plan contributions":40888,"Other employee benefits":88169,"Payroll taxes":50266},"Other expenses":{"value":805446,"Management services":0,"Legal":0,"Accounting":23000,"Lobbying services":117736,"Investment management fees":0,"Other services":217968,"Advertising":0,"Office expenses":51167,"Information technology":10363,"Royalties":0,"Occupancy":165108,"Travel":155548,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":3555,"Insurance":11887,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25727,"DUES AND SUBSCRIPTIONS":13473,"EQUIPMENT RENTALS AND M":12254},"All other expenses":23387},"Functional Expenses":{"value":null,"Program Service Expenses":1321062,"Management And General Expenses":465784,"Fundraising Expenses":0}},"Assets":{"value":1874621,"Non-interest bearing cash":174456,"Savings and temp cash investments":545190,"Pledges and grants receivable":0,"Accounts receivable":29173,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":36780,"Land, building, equipment":24906,"Investments publicly traded":1051631,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12485},"Liabilities":{"value":685723,"Sum of Total Liabilities":0,"Accounts payable, accrued":104216,"Grants payable":0,"Deferred, revenue":565212,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":16295},"Fund balance":{"value":1188898,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1178398,"Temporarily restricted net assets":10500,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7393261646498915,"percentile":0.5641584026809954},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.025443197039971725,"percentile":0.4663793983670014},"Liabilities to Assets Ratio":{"score":0.365792872265914,"percentile":0.17633449026847123},"Operating Reserve Ratio":{"score":1.0491228678912452,"percentile":0.4373107794074643},"Officer Compensation Ratio":{"score":0.4939127378632518,"percentile":0.07411356125158543},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9411764705882353,"percentile":0.26299051702139165},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.46834893755697393,"percentile":0.24890033423439764}},"source_xml":"201523169349305497_public.xml"},{"Organization":{"value":null,"Person":["RICK EDINGTON","JAMES LEIGHTON","TERRY MUILENBURG","JIMMY PARKER","DANA RUSSELL","LEVIS HUGHES","WENDY MCALISTER","WILLIAM C SHAFFNER","QUENTIN WILSON","STEVE E BROOKS","RANDY HEESACKER","RON GAMBILL","SUE MCMILLIN","SCOTT GILES","SCOTT E MILLER","SHELDON D REPP","JAMES BERGERON","TIMOTHY M FITZGIBBON","MARK PUTMAN"],"Title":["DIRECTOR-IMMEDIATE PAST CH","DIRECTOR-TREASURER","DIRECTOR- CHAIRMAN","DIRECTOR- CHAIR-ELECT","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","FORMER PRESIDENT/DIRECTOR-SECRETA","PRESIDENT","VICE PRESIDENT DEBT MANAGE","CHIEF TECHNOLOGY OFFICER"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,296710,0,209605,159378],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,243168,0,168188,125650],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,53542,0,41417,33728]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help students and families plan, prepare, pay for, and complete post secondary education.","year":2013,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2013-07-01T00:00:00","tax_period_end":"2014-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1857841,"Contributions":{"value":14500,"Other contributions":14500,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1778733,"Total revenue":{"value":1778733,"MEMBERSHIP DUES":1432479,"CONFERENCE FEES":282179,"SPONSOR":32900,"SPECIAL MEETINGS":23675,"STANDARDS FEES":7500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":45921,"Investment income total":40919,"Net investment gain":5002,"Income from invest bond proceeds":0},"Other revenues":{"value":18687,"Other total":6337,"Royalties revenue":0,"Net rental income":12350,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1864200,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1096774,"Current officers":310846,"Disqualified persons":0,"Other salaries and wages":598079,"Pension plan contributions":42820,"Other employee benefits":88748,"Payroll taxes":56281},"Other expenses":{"value":767426,"Management services":0,"Legal":0,"Accounting":23500,"Lobbying services":121065,"Investment management fees":0,"Other services":187021,"Advertising":0,"Office expenses":47772,"Information technology":12680,"Royalties":0,"Occupancy":162053,"Travel":138930,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4384,"Insurance":12810,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":16395,"DUES AND SUBSCRIPTIONS":11988,"EQUIPMENT RENTALS AND M":3794,"BAD DEBT EXP":613},"All other expenses":40816},"Functional Expenses":{"value":null,"Program Service Expenses":1430592,"Management And General Expenses":433608,"Fundraising Expenses":0}},"Assets":{"value":1911375,"Non-interest bearing cash":174456,"Savings and temp cash investments":610637,"Pledges and grants receivable":0,"Accounts receivable":15608,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":39812,"Land, building, equipment":2288,"Investments publicly traded":1056089,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12485},"Liabilities":{"value":709200,"Sum of Total Liabilities":0,"Accounts payable, accrued":115013,"Grants payable":0,"Deferred, revenue":594187,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":1202175,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1188640,"Temporarily restricted net assets":13535,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7674026392018024,"percentile":0.5894874851973286},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.0034227902172467932,"percentile":0.3766093115119208},"Liabilities to Assets Ratio":{"score":0.37104178928781634,"percentile":0.17450875321393633},"Operating Reserve Ratio":{"score":1.0253057611844223,"percentile":0.430841029137723},"Officer Compensation Ratio":{"score":0.35709312305546614,"percentile":0.14119040979279107},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4618738362287217,"percentile":0.2353093753018519}},"source_xml":"201530159349300213_public.xml"},{"Organization":{"value":null,"Person":["James Bergeron","Stefanie Gramm","Melissa Neal","Scott A Giles","Ron Gambill","Diana Barber","Nathan Hench","Dan Fisher","Jimmy Parker","James T Farha","Bryan Ashton","Ray Jones","Wendy McAlister","Christiana Thornton","Scott D Giles","Angela Baier"],"Title":["President-SecretaryCEO","Director Operations and Meet","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Treasurer","Chair","Immediate Past-Chair","Chair Elect"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0],"Total Compensation":[447929,182642,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[421784,135015,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[26145,47627,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"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.","year":2022,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":100,"tax_period_begin":"2022-07-01T00:00:00","tax_period_end":"2023-06-30T00:00:00","address":"1050 Connecticut Avenue NW STE 6579, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":14,"Number of independent voting members":14,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":914816,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":883633,"Total revenue":{"value":883633,"Membership Dues":720083,"Conference Fees":94850,"Special Meetings":35100,"Sponsorship":33600},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":28510,"Investment income total":23604,"Net investment gain":4906,"Income from invest bond proceeds":0},"Other revenues":{"value":2673,"Other total":2673,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1250043,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":723185,"Current officers":421784,"Disqualified persons":0,"Other salaries and wages":166302,"Pension plan contributions":34756,"Other employee benefits":70523,"Payroll taxes":29820},"Other expenses":{"value":526858,"Management services":0,"Legal":74637,"Accounting":25896,"Lobbying services":83833,"Investment management fees":0,"Other services":234876,"Advertising":0,"Office expenses":10814,"Information technology":21656,"Royalties":0,"Occupancy":2154,"Travel":33973,"Conferences and meetings":3349,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":6960,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":28710,"Speaker Fees":2959,"Dues and Subscriptions":159,"Other":25592},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":849145,"Management And General Expenses":400898,"Fundraising Expenses":0}},"Assets":{"value":863659,"Non-interest bearing cash":307228,"Savings and temp cash investments":13394,"Pledges and grants receivable":0,"Accounts receivable":23572,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":1650,"Land, building, equipment":0,"Investments publicly traded":517815,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":617710,"Sum of Total Liabilities":0,"Accounts payable, accrued":109310,"Grants payable":0,"Deferred, revenue":508400,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":245949,"Net assets without donor restriction":245949,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6792926323334477,"percentile":0.525632990421564},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.3664419948929621,"percentile":0.09651049110814056},"Liabilities to Assets Ratio":{"score":0.7152244114864779,"percentile":0.09135014822207255},"Operating Reserve Ratio":{"score":0.6909034329219075,"percentile":0.32518023005667246},"Officer Compensation Ratio":{"score":0.5044394472830135,"percentile":0.0707431868474814},"Program Expense Growth":{"score":-0.05368336477265625,"percentile":0.19263779551174334},"Revenue Growth":{"score":-0.07817571149631324,"percentile":0.17132209602248247},"Asset Growth":{"score":-0.0631826911386925,"percentile":0.14388558794693435},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.366606747913535,"percentile":0.07236925651495095}},"source_xml":"202410269349301106_public.xml"},{"Organization":{"value":null,"Person":["James Bergeron","Stefanie Gramm","Melissa Neal","Scott A Giles","Nathan Hench","Dan Fisher","Ron Gambill","Bryan Ashton","James T Farha","Angela Baier","Ray Jones","Jimmy Parker","Christiana Thornton","Wendy McAlister","Scott D Giles"],"Title":["President-SecretaryCEO","Director Operations and Meet","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Chair","Treasurer","Immediate Past-Chair"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0],"Total Compensation":[497210,172111,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[422868,133460,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[74342,38651,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"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.","year":2021,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2021-07-01T00:00:00","tax_period_end":"2022-06-30T00:00:00","address":"1050 Connecticut Avenue NW STE 6579, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":13,"Number of independent voting members":13,"Number of employees total":3,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":3,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1209566,"Contributions":{"value":248224,"Other contributions":170000,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":78224,"Related organizations":0},"Program revenue":{"value":935267,"Total revenue":{"value":935267,"Membership Dues":799667,"Conference Fees":96350,"Special Meetings":15450,"Sponsorship":23800},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":21390,"Investment income total":21390,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4685,"Other total":4685,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1365067,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":767795,"Current officers":422868,"Disqualified persons":0,"Other salaries and wages":190558,"Pension plan contributions":46522,"Other employee benefits":74747,"Payroll taxes":33100},"Other expenses":{"value":597272,"Management services":0,"Legal":86105,"Accounting":24704,"Lobbying services":90000,"Investment management fees":0,"Other services":250667,"Advertising":0,"Office expenses":15840,"Information technology":21264,"Royalties":0,"Occupancy":5731,"Travel":63130,"Conferences and meetings":5637,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":9041,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":25153,"Speaker Fees":2114,"Dues and Subscriptions":159,"Other":22880},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":1040874,"Management And General Expenses":324193,"Fundraising Expenses":0}},"Assets":{"value":1157483,"Non-interest bearing cash":0,"Savings and temp cash investments":205700,"Pledges and grants receivable":0,"Accounts receivable":43098,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":5313,"Land, building, equipment":0,"Investments publicly traded":903372,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":588966,"Sum of Total Liabilities":0,"Accounts payable, accrued":143366,"Grants payable":0,"Deferred, revenue":445600,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":568517,"Net assets without donor restriction":484622,"Net assets with donor restriction":83895,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7625076278307219,"percentile":0.5847892985749156},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.12855933450510348,"percentile":0.1972590829764898},"Liabilities to Assets Ratio":{"score":0.5088333910735622,"percentile":0.1331847835171156},"Operating Reserve Ratio":{"score":0.847931273703049,"percentile":0.3782964877141637},"Officer Compensation Ratio":{"score":0.49032098790755324,"percentile":0.07533453444536316},"Program Expense Growth":{"score":-0.051390880466219084,"percentile":0.19614336234501942},"Revenue Growth":{"score":-0.07500693718703443,"percentile":0.17595862761352588},"Asset Growth":{"score":-0.045638903378018,"percentile":0.1736933134127335},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.40781824050243737,"percentile":0.1341909209754533}},"source_xml":"202310619349300136_public.xml"},{"Organization":{"value":null,"Person":["Scott A Giles","Eugene Hutchins","Scott D Giles","Angela Baier","Jim Farha","David Feitz","Jimmy Parker","William C Shaffner","Christiana Thornton","Randy Heesacker","Janice Hines","Ben Litle","Terry Muilenburg","Bill Norbert","Wendy McAlister","Ron Gambill","James Bergeron","Stefanie Gramm"],"Title":["Chair","Treasurer","Chair-Elect","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Immediate Past-Chair","President - Secretary","Director Operations and Meet"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,413457,144498],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,343948,111105],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,69509,33393]},"Basic":{"value":null,"mission":"To provide superior advocacy, communications, research, and operational support to its members so they may effectively help students and families develop, pay for, and attain their educational goals, pursue meaningful and rewarding work,and become contributing members of society.","year":2019,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.us","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2019-07-01T00:00:00","tax_period_end":"2020-06-30T00:00:00","address":"1050 Connecticut Avenue NW, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":16,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1059160,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":997662,"Total revenue":{"value":997662,"Membership Dues":814733,"Conference Fees":63279,"Voluntary Assessment":82000,"Special Meetings":30150,"Sponsorship":7500},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":22849,"Investment income total":31172,"Net investment gain":-8323,"Income from invest bond proceeds":0},"Other revenues":{"value":38649,"Other total":17999,"Royalties revenue":0,"Net rental income":20650,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1381289,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":731740,"Current officers":359837,"Disqualified persons":0,"Other salaries and wages":171945,"Pension plan contributions":46827,"Other employee benefits":124281,"Payroll taxes":28850},"Other expenses":{"value":649549,"Management services":0,"Legal":0,"Accounting":53378,"Lobbying services":90000,"Investment management fees":0,"Other services":224757,"Advertising":0,"Office expenses":36300,"Information technology":30613,"Royalties":0,"Occupancy":116701,"Travel":47431,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":5752,"Insurance":7666,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":32667,"Board of Director expenses":7833,"Dues and subscriptions":12150,"Speaker fees":12684},"All other expenses":4284},"Functional Expenses":{"value":null,"Program Service Expenses":986717,"Management And General Expenses":394572,"Fundraising Expenses":0}},"Assets":{"value":1587813,"Non-interest bearing cash":25386,"Savings and temp cash investments":398413,"Pledges and grants receivable":0,"Accounts receivable":34932,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":20566,"Land, building, equipment":1282,"Investments publicly traded":1095252,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11982},"Liabilities":{"value":638236,"Sum of Total Liabilities":0,"Accounts payable, accrued":74762,"Grants payable":0,"Deferred, revenue":485250,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":78224,"Other liabilities":0},"Fund balance":{"value":949577,"Net assets without donor restriction":470207,"Net assets with donor restriction":479370,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7143450791253677,"percentile":0.5460967268977629},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.3041362966879414,"percentile":0.1119084822952551},"Liabilities to Assets Ratio":{"score":0.4019591727741239,"percentile":0.16410514508392696},"Operating Reserve Ratio":{"score":1.1495154163972927,"percentile":0.46324373885845505},"Officer Compensation Ratio":{"score":0.4039379159611059,"percentile":0.11255956517725844},"Program Expense Growth":{"score":-0.060843978325557886,"percentile":0.18235331417882247},"Revenue Growth":{"score":-0.0861574080370078,"percentile":0.16046554013591272},"Asset Growth":{"score":-0.026109085133941674,"percentile":0.2254603321103042},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.39131690524768886,"percentile":0.10810291931638037}},"source_xml":"202121269349302172_public.xml"},{"Organization":{"value":null,"Person":["JAMES LEIGHTON","TERRY MUILENBURG","JIMMY PARKER","DANA RUSSELL","LEVIS HUGHES","WENDY MCALISTER","WILLIAM C SHAFFNER","QUENTIN WILSON","RANDY HEESACKER","RON GAMBILL","SCOTT GILES","JANICE HINES","DIANA BARBER","MICHAEL NEMELKA","EUGENE HUTCHINS","MARY HEID","JAMES BERGERON","TIMOTHY M FITZGIBBON","SEAN DEVEREY"],"Title":["DIRECTOR - CHAIR-ELECT","DIRECTOR - MEMBER AT LARGE","DIRECTOR - IMMEDIATE PAST","DIRECTOR - TREASURER","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR - CHAIR","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR- MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","DIRECTOR - MEMBER AT LARGE","PRESIDENT - SECRETARY","VICE PRESIDENT DEBT MANAGE","VICE PRESIDENT OF GOVERNME"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,286485,200142,122957],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,235594,166661,105709],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,50891,33481,17248]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help families and students develop, pay for, and attain their educational goals so they can pursue meaningful and rewarding work and become contributing members of society.","year":2015,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2015-07-01T00:00:00","tax_period_end":"2016-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":17,"Number of independent voting members":16,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1797588,"Contributions":{"value":67500,"Other contributions":67500,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1675530,"Total revenue":{"value":1667130,"MEMBERSHIP DUES":1302050,"CONFERENCE FEES":270110,"STANDARDS FEES":40000,"SPONSOR":28425,"SPECIAL MEETINGS":26545},"Total other revenue":8400,"Unrelated business revenue":0},"Investment income":{"value":43391,"Investment income total":51634,"Net investment gain":-8243,"Income from invest bond proceeds":0},"Other revenues":{"value":11167,"Other total":2217,"Royalties revenue":0,"Net rental income":8950,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1748627,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":1023418,"Current officers":287340,"Disqualified persons":0,"Other salaries and wages":526654,"Pension plan contributions":40732,"Other employee benefits":120712,"Payroll taxes":47980},"Other expenses":{"value":725209,"Management services":0,"Legal":40000,"Accounting":56828,"Lobbying services":88951,"Investment management fees":0,"Other services":173785,"Advertising":0,"Office expenses":27129,"Information technology":21698,"Royalties":0,"Occupancy":130663,"Travel":109023,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":7639,"Insurance":10230,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":33642,"EQUIPMENT RENTALS AND M":15501,"RESEARCH/OUTREACH INITI":12500,"DUES AND SUBSCRIPTIONS":5641},"All other expenses":25621},"Functional Expenses":{"value":null,"Program Service Expenses":1352155,"Management And General Expenses":396472,"Fundraising Expenses":0}},"Assets":{"value":1849321,"Non-interest bearing cash":175164,"Savings and temp cash investments":597978,"Pledges and grants receivable":0,"Accounts receivable":39524,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":35918,"Land, building, equipment":27260,"Investments publicly traded":960992,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":12485},"Liabilities":{"value":645428,"Sum of Total Liabilities":0,"Accounts payable, accrued":100159,"Grants payable":0,"Deferred, revenue":532261,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":13008},"Fund balance":{"value":1203893,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1156618,"Temporarily restricted net assets":47275,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7732666829461057,"percentile":0.5952403873264965},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.027237053206852737,"percentile":0.4708897810515014},"Liabilities to Assets Ratio":{"score":0.3490080954036644,"percentile":0.1823952899957885},"Operating Reserve Ratio":{"score":1.0575846078094413,"percentile":0.43957965821918377},"Officer Compensation Ratio":{"score":0.3486072215515373,"percentile":0.14704082494809642},"Program Expense Growth":{"score":-0.02866982844474487,"percentile":0.2388896838991569},"Revenue Growth":{"score":-0.016465792482134478,"percentile":0.3077468796990692},"Asset Growth":{"score":-0.01651743814944217,"percentile":0.25759505577366104},"Independent Voting Board Pct":{"score":0.9411764705882353,"percentile":0.26299051702139165},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4307690671039161,"percentile":0.17442843878158934}},"source_xml":"201633559349300638_public.xml"},{"Organization":{"value":null,"Person":["MARY HEID","JAMES LEIGHTON","RON GAMBILL","EUGENE HUTCHINS","ANGELA BAIER","DAVID FEITZ","LEVIS HUGHES","MICHAEL NEMELKA","JIMMY PARKER","WILLIAM C SHAFFNER","SCOTT GILES","RANDY HEESACKER","JANICE HINES","WENDY MCALISTER","TERRY MUILENBURG","BRUCE WAGNER","JAMES BERGERON","TIMOTHY FITZGIBBON","PAMELA SHEPHARD"],"Title":["DIRECTOR - CHAIR","DIRECTOR - IMMEDIATE PAST","DIRECTOR-CHAIR-ELECT","TREASURER","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","DIRECTOR AT-LARGE","PRESIDENT - SECRETARY","SENIOR VICE PRESIDENT","DIRECTOR, COMMUNICATIONS"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0],"Total Compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,336777,168945,128986],"Direct compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,273912,141154,109473],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,62865,27791,19513]},"Basic":{"value":null,"mission":"To enhance member organizations' abilities to help families and students develop, pay for, and attain their educational goals so they can pursue meaningful and rewarding work and become contributing members of society.","year":2017,"name":"NATIONAL COUNCIL OF HIGHER EDUCATION LOAN PROGRAMS INC","phone":2028222106,"website":"NCHER.US","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"JAMES BERGERON","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":150,"tax_period_begin":"2017-07-01T00:00:00","tax_period_end":"2018-06-30T00:00:00","address":"1100 CONNECTICUT AVENUE NW NO 1200, WASHINGTON, DC, 20036, USA","city":"WASHINGTON","state":"DC","country":"USA","zip_code":20036},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":16,"Number of independent voting members":15,"Number of employees total":5,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":5,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1565212,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1445495,"Total revenue":{"value":1438100,"MEMBERSHIP DUES":1060050,"CONFERENCE FEES":289050,"SPONSOR":31000,"STANDARDS FEES":30000,"SPECIAL MEETINGS":28000},"Total other revenue":7395,"Unrelated business revenue":0},"Investment income":{"value":90656,"Investment income total":27212,"Net investment gain":63444,"Income from invest bond proceeds":0},"Other revenues":{"value":29061,"Other total":15561,"Royalties revenue":0,"Net rental income":13500,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1415163,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":772303,"Current officers":332463,"Disqualified persons":0,"Other salaries and wages":303751,"Pension plan contributions":24771,"Other employee benefits":76014,"Payroll taxes":35304},"Other expenses":{"value":642860,"Management services":0,"Legal":0,"Accounting":47589,"Lobbying services":92046,"Investment management fees":18270,"Other services":168032,"Advertising":0,"Office expenses":18925,"Information technology":20361,"Royalties":0,"Occupancy":111608,"Travel":116050,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":6769,"Insurance":9016,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":24868,"BAD DEBT EXPENSE":15500,"BOARD OF DIRECTOR EXPEN":6816,"DUES AND SUBSCRIPTIONS":1420,"RESEARCH/OUTREACH":1132},"All other expenses":9326},"Functional Expenses":{"value":null,"Program Service Expenses":1093934,"Management And General Expenses":321229,"Fundraising Expenses":0}},"Assets":{"value":1628155,"Non-interest bearing cash":42026,"Savings and temp cash investments":374694,"Pledges and grants receivable":0,"Accounts receivable":26560,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":26744,"Land, building, equipment":13804,"Investments publicly traded":1132345,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":11982},"Liabilities":{"value":241496,"Sum of Total Liabilities":0,"Accounts payable, accrued":45286,"Grants payable":0,"Deferred, revenue":190700,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5510},"Fund balance":{"value":1386659,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":1386659,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7730091869275836,"percentile":0.5949803839430289},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.09586496909044909,"percentile":0.6160025956456495},"Liabilities to Assets Ratio":{"score":0.14832494449238556,"percentile":0.2847924481304682},"Operating Reserve Ratio":{"score":1.1505070440648886,"percentile":0.46348968394742474},"Officer Compensation Ratio":{"score":0.4485052251931403,"percentile":0.0912213492535214},"Program Expense Growth":{"score":-0.05749038360770204,"percentile":0.18712066227878124},"Revenue Growth":{"score":-0.04836002979574816,"percentile":0.22333742364953074},"Asset Growth":{"score":-0.026340472816962245,"percentile":0.22469774956845398},"Independent Voting Board Pct":{"score":0.9375,"percentile":0.26093132342715336},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.44355533293037713,"percentile":0.19865778281383645}},"source_xml":"201930789349300418_public.xml"},{"Organization":{"value":null,"Person":["James Bergeron","Stefanie Gramm","Scott D Giles","Ron Gambill","Diana Barber","Bob Collins","Joseph Santoro","Kelly Lipinski","Scott A Giles","Jimmy Parker","James T Farha","Melissa Neal","Ray Jones","Chad Tate","Christiana Thornton","Angela Baier","Wendy McAlister"],"Title":["President-SecretaryCEO","Director Operations and Meet","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Chair-Elect","Immediate Past-Chair","Chair","Treasurer"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0],"Total Compensation":[438846,173757,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[434939,135774,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[3907,37983,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"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.","year":2023,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":80,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"1050 Connecticut Avenue NW STE 6579, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":787970,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":772809,"Total revenue":{"value":772809,"Membership Dues":662559,"Conference Fees":64650,"Special Meetings":14500,"Sponsorship":31100},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10915,"Investment income total":10915,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4246,"Other total":4246,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1011566,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":552275,"Current officers":434939,"Disqualified persons":0,"Other salaries and wages":19694,"Pension plan contributions":21208,"Other employee benefits":53362,"Payroll taxes":23072},"Other expenses":{"value":459291,"Management services":0,"Legal":0,"Accounting":22088,"Lobbying services":68000,"Investment management fees":0,"Other services":291338,"Advertising":0,"Office expenses":7662,"Information technology":2121,"Royalties":0,"Occupancy":1066,"Travel":51273,"Conferences and meetings":5000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2846,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":7897,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":699840,"Management And General Expenses":311726,"Fundraising Expenses":0}},"Assets":{"value":361451,"Non-interest bearing cash":174769,"Savings and temp cash investments":182281,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4401,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":322190,"Sum of Total Liabilities":0,"Accounts payable, accrued":69349,"Grants payable":0,"Deferred, revenue":252841,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":39261,"Net assets without donor restriction":39261,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6918381993859026,"percentile":0.5322130295731191},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2837620721601076,"percentile":0.11805704020988535},"Liabilities to Assets Ratio":{"score":0.8913794677563487,"percentile":0.06606779705456768},"Operating Reserve Ratio":{"score":0.35731825703908593,"percentile":0.18899637225941487},"Officer Compensation Ratio":{"score":0.6055986460596738,"percentile":0.04533131596002436},"Program Expense Growth":{"score":-0.05977210921389315,"percentile":0.1839360034824306},"Revenue Growth":{"score":-0.08212286756595616,"percentile":0.1657655932456309},"Asset Growth":{"score":-0.08897442415818517,"percentile":0.11395506426299902},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3585199285260499,"percentile":0.06286298469537234}},"source_xml":"202500589349300325_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["James Bergeron","Stefanie Gramm","Scott D Giles","Ron Gambill","Diana Barber","Bob Collins","Joseph Santoro","Kelly Lipinski","Scott A Giles","Jimmy Parker","James T Farha","Melissa Neal","Ray Jones","Chad Tate","Christiana Thornton","Angela Baier","Wendy McAlister"],"Title":["President-SecretaryCEO","Director Operations and Meet","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Director At-Large","Chair-Elect","Immediate Past-Chair","Chair","Treasurer"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,2.0,1.0,1.0],"Total Compensation":[438846,173757,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[434939,135774,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[3907,37983,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"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.","year":2023,"name":"National Council of Higher Education Loan Programs","phone":null,"website":"www.ncher.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"James Bergeron","year_formation":1967,"state_legal_domicile":"DE","total_volunteers":80,"tax_period_begin":"2023-07-01T00:00:00","tax_period_end":"2024-06-30T00:00:00","address":"1050 Connecticut Avenue NW STE 6579, Washington, DC, 20035, USA","city":"Washington","state":"DC","country":"USA","zip_code":20035},"Governance":{"value":null,"501c3 determination":true,"501c determination":false,"Number of voting members":15,"Number of independent voting members":15,"Number of employees total":2,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":2,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":true,"Premiums Paid":true,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":787970,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":772809,"Total revenue":{"value":772809,"Membership Dues":662559,"Conference Fees":64650,"Special Meetings":14500,"Sponsorship":31100},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":10915,"Investment income total":10915,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":4246,"Other total":4246,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1011566,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":552275,"Current officers":434939,"Disqualified persons":0,"Other salaries and wages":19694,"Pension plan contributions":21208,"Other employee benefits":53362,"Payroll taxes":23072},"Other expenses":{"value":459291,"Management services":0,"Legal":0,"Accounting":22088,"Lobbying services":68000,"Investment management fees":0,"Other services":291338,"Advertising":0,"Office expenses":7662,"Information technology":2121,"Royalties":0,"Occupancy":1066,"Travel":51273,"Conferences and meetings":5000,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":2846,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":7897,"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":699840,"Management And General Expenses":311726,"Fundraising Expenses":0}},"Assets":{"value":361451,"Non-interest bearing cash":174769,"Savings and temp cash investments":182281,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4401,"Land, building, equipment":0,"Investments publicly traded":0,"Investments other":0,"Investments program related":0,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":322190,"Sum of Total Liabilities":0,"Accounts payable, accrued":69349,"Grants payable":0,"Deferred, revenue":252841,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":0},"Fund balance":{"value":39261,"Net assets without donor restriction":39261,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.6918381993859026,"percentile":0.5322130295731191},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":-0.2837620721601076,"percentile":0.11805704020988535},"Liabilities to Assets Ratio":{"score":0.8913794677563487,"percentile":0.06606779705456768},"Operating Reserve Ratio":{"score":0.35731825703908593,"percentile":0.18899637225941487},"Officer Compensation Ratio":{"score":0.6055986460596738,"percentile":0.04533131596002436},"Program Expense Growth":{"score":-0.05977210921389315,"percentile":0.1839360034824306},"Revenue Growth":{"score":-0.08212286756595616,"percentile":0.1657655932456309},"Asset Growth":{"score":-0.08897442415818517,"percentile":0.11395506426299902},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.3585199285260499,"percentile":0.06286298469537234}},"source_xml":"202500589349300325_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}