The New Hampshire Higher Education Assistance Foundation (NHHEAF) Network has nearly 60 years of experience in helping New Hampshire families plan and pay for higher education. The NHHEAF Network aspires to be recognized as a capable, trusted, and innovative leader in educational loan services that enhance the promotion, advancement, and support of higher education for our state and our region. As such, we provide K – 12 and postsecondary students and schools with expertise in every aspect of the student loan industry.
In April 2020, The NHHEAF Network was formed as two of our entities – the New Hampshire Higher Education Loan Corporation (NHHELCO) and Granite State Management & Resources (GSM&R) - merged together, resulting in one combined nonprofit organization. Our loan servicing operations continue to do business as GSM&R nationwide. Our guaranty agency, the New Hampshire Higher Education Assistance Foundation (NHHEAF), is a wholly-owned subsidiary of The NHHEAF Network. This reorganization allows us to be more efficient and provides significant benefits operationally, financially, and strategically.
As a 501(c)(3) nonprofit agency, our earnings are reinvested in the greater New Hampshire community. Reinvestment is achieved through free college planning services, default prevention expertise, cost-saving borrower benefits, and charitable giving.
Two newly-formed boards of directors guide the important work of The NHHEAF Network. These new members bring a wealth of experience in higher education, financial services, financial audit, regulatory compliance, public affairs, non-profit management, and legal services.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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