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Smart Borrowing

Cognition Financial is an industry leader in providing services for private, non-governmental, education lending in the United States.

At Cognition Financial, we help students and their families close the widening gap between the costs of college and the financial resources available to them. We do this by helping our clients - national and regional financial institutions and educational institutions - develop solutions that are competitive and meet the needs of their customers.

The demand for education finance solutions has never been greater as more Americans apply and go to college than ever before. The funding gap between the cost of education and traditional sources of funding such as Federal student loans, scholarships and grants continues to widen and today is estimated to be $138 billion*. Partnerships

At, we seek to partner with organizations that give students and families access to new tools and services in addition to the ones found within our site.

*U.S. Department of Education. The College Board Trends in Student Aid 2008.