Financial Aid Fraud: A Progression of Due Diligence

Higher Ed Marketing & Student Search Services | enrollmentFUEL | image of magnifying glass over a hazard sign with the word "scam" inside on top of paper money

Financial Aid Fraud: A Progression of Due Diligence

It has been a long-standing expectation by the U.S. Department of Education (ED) that student aid flows accurately with integrity of purpose to eligible students only. For several years, ED leadership shared a consistent message asking financial aid administrators to help ensure we are “getting the right money to the right students at the right time”.  The slogan was so consistently used that Federal Student Aid Conference attendees would regularly chime in to finish the sentence whenever an ED representative would start referencing it. There is strong support for the concept within the entire financial aid community, yet fulfilling that goal has become increasingly difficult over the years as technology and the expansion of online learning programs continued to open new opportunities for potential fraud.

On June 6, 2025, ED announced intentions to launch new initiatives aimed at eliminating identity theft and fraud from the federal student aid programs starting in fall 2025. Through this push, ED made some changes to the list of acceptable documentation associated with identity validation, most notably instilling the requirement that selected aid applicants would be required to present—either in person or through a live video connection—“an unexpired, valid, government-issued photo identification to an institutionally authorized individual.” This proved to be a substantial change sparking challenges for aid offices, as it is often difficult for new students to present identity documents in-person if they live a significant distance from campus and video conferencing is a very high-touch, one-on-one activity that few larger schools can accommodate due to volume.

Yet by the end of the calendar year, ED boasted a $1 billion savings due to the fraud prevention efforts of their department and school partners. They launched a new webpage, StudentAid.gov/scams, to assist students and families in identifying financial aid scams and “fake schools.” They also declared a commitment to continue developing additional tools to help impede student aid fraud attempts.

In April 2026, ED initiated another substantial Free Application for Federal Student Aid (FAFSA) fraud prevention program. This one incorporated fraud detection tools directly into the FAFSA filing process. They noted that “applicants who display a certain level of fraud risk will now be required to present government-issued identification before accessing federal student aid funds such as Pell Grants and federal student loans.” It was anticipated that these steps would help relieve some of the administrative burden of identifying potential fraud situations off the shoulders of schools. The department also launched a one-time review of previously filed 2026-2027 FAFSAs using this new technology.

On May 14, 2026, the Department released a statement that they had completed their one-time retroactive review of 2026-2027 FAFSAs, noting approximately 300,000 applications, which appeared questionable. Each of these has now been triggered to require Verification Tracking Group V5 identity confirmation by their college. Schools are receiving system-generated, updated Institutional Student Information Records (ISIRs, which is the student information data sent to colleges after a student lists them to receive their FAFSA information, for each of these students.

There are five verification groups established by ED, labeled V1–V5. The V5 verification group requires confirmation of all standard information to be reviewed by the V1 group as well as documenting identity as required by the V4 group. This is not a new concept as broader FAFSA verification policies were established in the 2014-2015 financial aid year.  However, V5 usage is expanding with the current fraud review process.

While the phrase is not currently being touted by ED, the concept stands that there is a strong push for “getting the right money to the right students at the right time”.  ED is charging towards this goal with FAFSA technology upgrades and selecting additional students for schools to obtain documents from and to take the time to review. It appears to be a reasonable initiative toward the goal of protecting public funds, but doing so while OBBBA rule and guidance delays are creating a timing plight for financial aid administrators may make it difficult to get the delivery of funds to be “at the right time.”

Institutions can establish helpful practices to curb their vulnerability to fraud attempts, too.  This is particularly important for those who offer online educational programs at any level.  Recommended technical steps to enact include:

  1. Developing automatic reviews of incoming FAFSA data noting any students who share:
    • Addresses;
    • Phone numbers;
    • Email addresses;
  2. Regularly compare the IP addresses used for communications to the school looking for similarities between students, and;
  3. Ensure staff are fully trained on and are diligent in watching for potential cyber hacking attempts. While this is a different angle through which fraud may occur, it can couple with others mentioned above in an overall attempt to obtain unjustified funds.

About the Author
Thomas Ratliff has over 35 years of higher education experience, teaming with peers to serve students at private, public, and proprietary institutions. He has worked with traditional and nontraditional populations pursuing certificate programs through doctoral degrees within term-based, non-term, and nonstandard term academic calendars. He has been blessed with a variety of experiences that help him relate to the partner school’s challenges.  

Thomas has made presenting at conferences a staple of his career, as it helps his colleagues expand their understanding and instill the ideas in their hearts. He has also enjoyed serving financial aid communities through a variety of leadership roles, including as President of four professional associations: ISFAA (Indiana), TASFAA (Texas), MASFAA (Midwest), and SWASFAA (Southwest). When taking a break from helping schools excel, Thomas cherishes life with his family and enjoys autocross racing his 1965 Chevrolet Corvair.

One Big Beautiful Bill Act (OBBBA): 4 Steps in the Right Direction

Higher Ed Marketing & Student Search Services | enrollmentFUEL | Department of Education | Congress | Financial Aid

One Big Beautiful Bill Act (OBBBA): 4 Steps in the Right Direction

Financial aid administrators are used to working under pressure, adjusting policies as required and pulling everything together in a timely manner. Yet accomplishing all of that is proving to be more challenging than normal regarding updates sparked by the One Big Beautiful Bill Act (OBBBA).

This is particularly due to the timing delays associated with receiving federal guidance and change requirements falling far outside the standard eight-month development period where final rules are normally set by November 1 to allow for smooth implementation by the following July 1. OBBBA has numerous provisions requiring a July 1 launch, but which have just had final rules established within the past month. 

This is perhaps the most difficult operational environment financial aid administrators have faced. They are struggling with how to give solid answers when rules are not fully established, systems need time to be updated, and students are reaching out about funding. Many schools believe they must wait to begin disbursing any 2026–2027-year aid—or in some cases even attempting to process loans for future disbursements—until all rules are set and systems are fully updated, installed, and tested. Being forced into such a situation is making stress levels rise within the Financial Aid and Student Account Offices and causing student conversations to be less fruitful than anyone wants.

One step schools can take to move some student aid processing forward is to identify the students who qualify for exceptions to the changes. While limited in number, these may be processed using already established practices. Students who qualify for exceptions to the new federal student loan limit rules include the following.

Undergraduate students and parent PLUS borrowers if they…

  • Were enrolled as of June 30, 2026;
  • Received at least one Direct Loan, or the parent received a Direct PLUS Loan disbursement on the student’s behalf, for such a program of study before July 1, 2026;
  • And are enrolled at the same institution, seeking the same credential after July 1, 2026, and have not ceased to be enrolled seeking the same credential at the same institution. (Here “credential” refers to the degree you are seeking, like an associate or bachelor’s degree. To qualify, students may change majors within their credential level, but cannot change the level itself.)

Graduate and Professional Students qualify under the limited exception only if they…

  • Were enrolled in a program of study at an institution as of June 30, 2026;
  • Received at least one Direct Loan for such program of study prior to July 1, 2026;
  • And are currently enrolled at the same institution in the same program of study and have not ceased to be enrolled in the same program at the same institution at any point on or after July 1, 2026.

As the rules and loan limits have not changed for these students, it may be possible to process their aid now, helping them to move forward with their educational plans and free up some additional time for you when the crunch period begins that will come when all your systems are updated.

There could be benefit in notifying your current graduate student population about their exception rules. For those summer enrollees who have not yet borrowed, being aware of the Graduate PLUS Loan prior to borrower exception could spark them to choose to take a small loan before July 1, 2026, to preserve this funding source as an option for them later on.

Here’s a suggested message:

“We want you to have all the funding options possible. While we do not encourage taking on debt, if you do need to borrow to pay for school now, or will likely need to, we want you to be aware of a significant change coming soon. 

One traditional tool, the federal Grad PLUS Loan, is being phased out effective July 1, 2026. However, there is an exception for graduate students who have borrowed either a federal Grad PLUS or Direct Unsubsidized Loan by June 30, 2026. These students may continue to have the Grad PLUS Loan as a funding option through either June 30, 2029, or the end of their current academic program, whichever comes first. Talk to our Financial Aid team right away if you want to borrow a small loan now to preserve this option for continued use later.”

Proactive communications to your students clearly explaining the timing situation being created by the late issuance of federal guidance, helping to clarify the tasks needed to establish appropriate processing, and assuring them you are taking all steps possible to help them continue to afford their education in a timely manner could be well received. 

Some schools plan to focus their institutional emergency aid programs more toward students who will be delayed in receiving funding needed for rent and other indirect educational costs during this time. Any opportunity an institution has to expand such emergency aid programs will make a positive difference for students’ immediate needs and likely will help retention.

Hopefully some wins can be had from helping all those you can now while having to wait to fully serve the masses!

About the Author
Thomas Ratliff has over 35 years of higher education experience, teaming with peers to serve students at private, public, and proprietary institutions. He has worked with traditional and nontraditional populations pursuing certificate programs through doctoral degrees within term-based, non-term, and nonstandard term academic calendars. He has been blessed with a variety of experiences that help him relate to the partner school’s challenges.  

Thomas has made presenting at conferences a staple of his career, as it helps his colleagues expand their understanding and instill the ideas in their hearts. He has also enjoyed serving financial aid communities through a variety of leadership roles, including as President of four professional associations: ISFAA (Indiana), TASFAA (Texas), MASFAA (Midwest), and SWASFAA (Southwest). When taking a break from helping schools excel, Thomas cherishes life with his family and enjoys autocross racing his 1965 Chevrolet Corvair.

Shout It From the Rooftops: Higher Ed Influencer Marketing

image of person recording another person with a mobile device mounted on a stabilizer | Higher Ed Marketing & Student Search Services | enrollmentFUEL

Shout It From the Rooftops: Higher Ed Influencer Marketing

There’s an aspect of digital marketing that enrollmentFUEL, in the spirit of teaching, has been shining a light on for years that is now beginning to build traction in higher ed: influencer marketing.

Imagine being able to get a student’s unique perspective on your school and then having it blasted on their social channels for the world to see. That’s the authentic engagement Gen Z and Gen Alpha are craving.

Consider word-of-mouth marketing, but in an online form.

Simply, a company will partner with an online influencer to promote their brand in that influencer’s published content. These are often videos, blog posts, and other forms of social media content. Because the message is going out to an audience who already trusts this influencer, the message is received with more impact and influence. This benefits the company who may not already have built trust and interest with this audience.

These partnerships can be one-offs or long-standing contracts with the influencer, depending on what they are available for and willing to provide on their channels. The most successful campaigns allow an influencer to post on a topic that is authentic to them—we call this creative freedom.

Influencer marketing is a healthy booster shot to your brand awareness efforts. It brings intentionality into your digital marketing that can start with influencers who might be current students or alumni. 

While it’s your best bet to start with your current student email list and alumni list to look for influencers, you can always explore other channels to find the right fit while getting familiar with the platforms on which you’ll be appearing. If you want an influencer to aid your adult/grad population recruitment, you might lean toward someone who has a strong presence on LinkedIn. If you’re simply trying to reach traditional undergraduate prospective students, the influencers best found for your message might be on TikTok and Instagram. 

Whatever your message is, an influencer giving it brings loyalty and trust to the audience you’re trying to reach without having had to build the relationship with them yourselves. It’s a time saver in this regard, and if you’re lucky enough to find a current student and offer them on-campus perks for a post, it can be a money saver, too.

Time to stop widely tossing seeds across the general landscape and hoping they take root; start thinking about what a deliberate influencer campaign would look like for your school. Need a hand getting the ball rolling? enrollmentFUEL has long-term experience and proven expertise with successful influencer marketing campaigns. Send us a message and start the conversation!

5 Things To Make It A “Slate” Year

Higher Ed Marketing & Student Search Services | enrollmentFUEL | 5

5 Things To Make It A “Slate” Year

The new year is an excellent time to assess current practices and make a plan to “be better.” That can mean a lot of things in the world of higher education, and especially in the world of Slate. Over the years, I have peeked behind the curtain at many instances of Slate and spoken with campus leaders around the country.

I hear many of the same questions and face a lot of the same challenges.

  • High turnover with no back-up plan
  • Struggles with training new team members
  • Small Slate teams with never-ending to-do lists

So, I wanted to take a few minutes to highlight five things I recommend committing to in 2026 that can help with the above challenges.

As you go through your mid-cycle updates, document!. There are several free tools that can make this process easier for you: Zight, Tango, or even just recording your screen throughout. Make sure your documentation is consistent and easy to find. Whether you use the Slate Scholar Custom Content, a shared drive (with links on a portal) or something else, it is important to provide content to your team in a way that is easy to share, access, and find what you need.

Ask for their input (and be open-minded). What are the processes they struggle with? Where are they still using paper and pencil? As you listen to their day-to-day processes, listen to what frustrates them the most about Slate. And think through opportunities to improve their processes using Slate features.

Let’s say you’re asked to build a report for your Vice President, but you have 50 other things on your to-do list. Be transparent with your leadership. Let them know what else you have on your plate and ask for their help in prioritizing the wishlist. This lets them know that you have heard their needs and gives them an idea of what else is on your figurative (or literal) whiteboard. While I’ve focused on leadership here, it is also important to share expectations with anyone on your team. Share your timelines with the team and if things need to shift, make sure you communicate it.

New ideas and ways to complete projects in Slate are shared on a regular basis. Another user might just post about the project you’re trying to complete. Many posts in this space come with suitcase codes and step-by-step instructions on how to complete a task. It can save you time and help you become more efficient in your work.

While AI is not always perfect, it can help point you in the right direction. It’s a handy companion that is always willing to help. Thinking back to that report requested in point #3, Slate AI might provide your leadership with the answer they need. Rather than building a whole report, you can build your boss a query with all the data then train them to ask AI the right questions. You’ll find several articles on Slate AI in the Knowledge Base, but this is one of my favorites.

You never know what 2026 will bring, but if you commit to these five goals, I am optimistic it will be a great year for you! And if you get stuck, reach out to your friends at FUEL!

About the Author
Susanna Lehman enjoys listening to your challenges to help you find your next opportunity – to reboot, reimagine, and find a better way. 

Susanna spent close to two decades dabbling in almost every aspect of admissions.  She brings experience in undergraduate, performing arts, adult, graduate and seminary recruitment: the more specialized the student population, the better!  Having previously served as enrollmentFUEL’s Vice President of Slate Education, she has experience with a variety of institutions through implementation, audits and just about any kind of Slate project you can imagine.  

A native northwest Ohioan, Susanna now lives in Columbus, Ohio. She loves cuddling with her cocker spaniels while watching Hallmark movies or reading a book. She’s always happy to share her recommendations.

Deliverability in the Age of AI: How Artificial Intelligence Is Reshaping Email Marketing

Higher Ed Marketing & Student Search Services | enrollmentFUEL | AI

Deliverability in the Age of AI: How Artificial Intelligence Is Reshaping Email Marketing

Email marketing has always been a cornerstone of student recruitment strategies. But as inbox providers like Gmail, Apple, and Yahoo! roll out AI-driven features, the rules of deliverability are changing fast. Understanding and adapting to these shifts will be critical for brands that want their messages to reach and resonate with students.

Inbox providers are introducing AI-powered “regeneration” features that summarize email content automatically. While this sounds helpful for users, it’s creating major challenges for marketers.

Gmail

Preview text is now replaced by AI-generated annotations, which were once optional but are now mandatory. This is noteworthy because these annotations can misrepresent offers (e.g., marking them as expired when they’re still valid), restate information conveyed in the subject line, or provide redundant information mentioned in the subject line., which can muddy waters for both consumer information and marketer analytics.

Additionally, Deal Cards and Highlights generated by AI often push brand-crafted content out of the preview pane, reducing control over how your message appears. Depending on the purpose of your email (especially if it is for brand recognition), this has the possibility of negating your intent.

Apple

On newer devices (iPhone 15 and above), Apple Intelligence replaces preview text with an AI summary. The good news? Summarization happens on-device, improving privacy. The bad news? Your carefully-written preview text may never be seen.

Yahoo!

Both subject lines and preview text are replaced by AI summaries. This carries significant impact if your institution is used to thoughtfully divvying up information (and the weight of that information) via subject lines and preview text, things that exist with specific inbox-analytics purpose and marketing planning.

Further, Yahoo! introduces in-email advertising at the top of messages, sometimes showing competitor ads—or even your own ads, at a cost to you.

For those of us who are used to our inbox having messages in order from newest to oldest, top to bottom, respectively (isn’t that pretty much everyone?), AI has thrown another curve ball. Because now it’s not just rewriting your content—it’s reorganizing it.

  • Gmail: The Promotions tab now uses a “most relevant” algorithm, meaning your newest email might not appear at the top.
  • Apple: Digest View groups all emails from a sender but often surfaces older messages first.
  • Yahoo!: Advanced tabbing and a “Subscriptions” view can bury promotional emails deeper in the inbox.

Institutions who employ “top of inbox” strategy now face having to pivot entirely; with this new personalization, such effort can quickly become pointless.

So, what does all this information mean? It means open rates will drop as casual browsers miss your emails, your content gets ignored when AI misrepresents your message, and subject line testing (or any A/B testing for that matter) becomes unreliable as AI replaces and rewords.

  1. What does sender reputation measure now? Historically, deliverability depended primarily on sender behavior, with ESP-related factors accounting for a smaller portion of inbox placement. Today, reputation appears influenced by sender behavior, ESP, and how inbox providers’ AI systems interpret and summarize content.
  2. Do inbox providers have a responsibility to convey your message accurately? Yes, but AI summaries introduce legal and ethical risks. Misrepresentation could lead to lawsuits, forcing providers to rethink these features.

Amidst all this change that seems to dash the hopes of continuing email marketing, we can still assess these facts and risks and shift our strategy to meet the new age of AI—and it’s our responsibility to do so! Here are some suggestions to help regain a little more control of how your emails end up being perceived.

  • Write subject lines that stand alone. The best defense in the light of uncertainty about whether or not something will look the way you intend it is to assume that it won’t. Expect that your preview text will be omitted, rewritten, or simply covered up. Start changing your strategy to make the subject line do more heavy lifting for you.
  • While it’s not foolproof, use schema and strategic coding to influence how AI interprets your email. Having any sort of control over (or prediction for) automatic summarizing reduces the chances of your message being misread. Get with your developers and analysts to start assessing what you can do on the backend and new protocols for testing.
  • Voice your concerns to Google, Apple, and Yahoo! These changes are significant and, in many instances, negatively impact how marketers engage with their audience, learn about them, and provide them with the content and products they want. Cite how live A/B testing, one of digital marketing’s most important methods of accurate audience-profile building, essentially becomes obsolete when our thoughtfully-crafted content is butchered.

That’s not all, though. We can proactively make shifts for the long-run, accepting that AI is not only here to stay, it will increase and influence even more of our endeavors. Prioritize your brand loyalty, ensure your content is pertinent and engaging, and don’t forget to think beyond the inbox; start thinking about using email as a gateway to deeper engagement, clicks, replies, and conversations.

AI is rewriting the rules of email marketing. For colleges and universities, success will depend on creativity, adaptability, and a relentless focus on authentic engagement. The inbox may be changing, but the goal remains the same: building meaningful connections with students.

About the Author
Filimon Dingamo aids the enrollmentFUEL team and their client-partners by bringing a unique perspective to the world of marketing automation for higher education. His keen understanding of technology’s role in optimizing marketing strategies have measurably improved processes for colleges and universities by operating in the intersection of creativity and analytical thinking. Filimon is currently continuing his higher education career to further sharpen his skills. Outside of work, he enjoys watching and playing soccer, watching movies, exercising, and playing his guitar.

“AI and the future of Email Marketing” webinar by the Ortho Team

Octane—Pipeline Building: The Critical Role of Sophomore/Junior Search

image of female college students looking at a mobile device together | Higher Ed Marketing & Student Search Services | enrollmentFUEL

Octane—Pipeline Building: The Critical Role of Sophomore/Junior Search

Imagine your admissions team facing
another enrollment cycle with fewer
applications, tighter budgets, and
mounting pressure to meet ambitious
targets. Does this sound all too familiar?
You’re not alone. Across the country,
institutions are grappling with shrinking
demographics and limited resources,
making it clear that the traditional
senior-year recruitment push is no
longer sufficient. But there’s a solution.

In today’s increasingly competitive higher education environment, reaching students earlier in their decision-making journey is not just an advantage—it’s a necessity. A proactive sophomore and junior outreach strategy is now essential for building a robust applicant pipeline. By engaging students and their families early, your institution can foster meaningful connections, stay top of mind, and gain a critical edge. The key to success lies in leveraging technology to deliver tailored experiences that meet the diverse needs of all stakeholders, ensuring your institution thrives in the face of new challenges.

Reaching students earlier during high school requires a better understanding of what’s on their minds at different points in time. In the sophomore/junior years, students engage in exploratory thinking.

Exploratory thinking is the practice of openly considering multiple possibilities and paths without immediate judgment, allowing our minds to wander beyond conventional boundaries to connect seemingly unrelated ideas. This expansive mental approach naturally fuels inspiration (by uncovering novel connections) and aspirational goals, helping your potential students envision an alternative future.

Exploration triggers questions. Every question is a window into the student’s dreams, fears, and aspirations. By understanding and authentically addressing these questions, you transform from just another college option into their ideal partner in achieving life-changing goals, bridging the gap between “Where can I go?” to “This is where I belong.”

Early engagement with sophomores and juniors isn’t just about getting your name out there—it’s about becoming part of their evolving story. When students transition from dreaming about college to actively planning their future, the institutions they trust are the ones who have been genuine partners in their journey, not last-minute arrivals. By weaving your institution’s values, opportunities, and unique strengths into their exploration phase, you create lasting mental real estate that’s difficult for competitors to displace.

Why is this mindshare so critical? Because in today’s oversaturated market, students aren’t just choosing between institutions, they’re choosing which ones even make it onto their radar. The schools that fail to establish this early presence risk becoming invisible, regardless of their actual merit. Simply put: if you’re not in their minds during the exploration phase, you likely won’t be in their applications during decision time.

In general, Gen Z is less “brand” loyal than previous generations. Research from AdWeek found that 6 in 10 Gen Z consumers report not being loyal to brands at all.1 Instead, their decision-making starts by consuming content that interests them, then taking inspiration from that. 75% of Gen Z consumers make online purchases based on “creator recommendations.”2 More importantly, these recommendations and influences go beyond traditional advertising of attributes; instead, young shoppers (which students are!) want to see how their choices fit into the lifestyle they aspire to and imagine for themselves.

In general, Gen Z is less “brand” loyal than previous generations. Research from AdWeek found that 6 in 10 Gen Z consumers report not being loyal to brands at all.1 Instead, their decision-making starts by consuming content that interests them, then taking inspiration from that. 75% of Gen Z consumers make online purchases based on “creator recommendations.”2 More importantly, these recommendations and influences go beyond traditional advertising of attributes; instead, young shoppers (which students are!) want to see how their choices fit into the lifestyle they aspire to and imagine for themselves.

This translates to “brand recognition” and “brand loyalty” for colleges and universities, too. Marketing to them is less about steering a typical customer journey and more about creating inspirational guideposts along the path they’re already interested in. Colleges must meet Gen Z with moments of inspiration and big-picture thinking, delivering content that resonates emotionally and aligns with their vision of the future.

Visits are a key component of fostering exploration, but not all students can arrange in-person tours due to financial or logistical constraints. Virtual visit options, which gained significant traction after 2020, are now a necessity rather than a luxury. Robust virtual tools like 360-degree tours, live Q&A sessions, and interactive campus maps make your institution more accessible to students and their families.

These tools allow students and families to connect no matter where they are, broadening access and creating meaningful engagement. When integrated with the “experimental” brand approach described above, this strategy transforms higher ed marketing into a shared experience that guides rather than sells—and that can be key to standing out in today’s marketing-savvy students.

Parents play an influential role in the college decision-making process, often acting as partners in guiding their children’s choices. Effective communication with parents should lean heavily on the institution’s value proposition, addressing concerns about affordability, career outcomes, and the overall student experience. By emphasizing a commitment to student success, safety, and support, an institution can build trust with parents and help them see the long-term value of choosing the school.

A multifaceted approach to outreach is critical. Email marketing has become less reliable due to increased restrictions on deliverability, making it essential to diversify communication channels. Creative strategies like targeted digital advertising, compelling direct mail campaigns, and gamified content can help the institution stand out. Digital marketing allows admissions offices to meet students where they already spend time, while direct mail offers a tangible and personal touch that resonates in a crowded digital space. Engaging students with interactive tools, such as quizzes or personalized online journeys, also helps visualize themselves at the institution.

To maximize the outcomes of a sophomore/junior Search strategy, refinement is key. Use engagement metrics—such as open rates, click-through rates, and participation in virtual events—to monitor the impact of all efforts. Personalization should drive every communication, as students and their families are more likely to respond to messages that align with their specific needs and interests. Adjust the strategy as needed, using data insights to fine-tune messaging and outreach methods.

Ultimately, a sophomore/junior Search strategy is about staying ahead in an evolving higher education marketplace. By prioritizing early engagement, leveraging technology for exploration, and meeting the needs of parents and students through personalized outreach, institutions can secure their place as leaders in the college search process.

About the Author
Jazmane Brown, MA, serves as an Account Manager at enrollmentFUEL and has worked in higher education for 17 years. Before joining the organization, she served as the Assistant Vice President for Enrollment Management and Director of Admissions at Xavier University of Louisiana, with prior collegiate leadership roles. Jazmane holds a BA in Communication, and a master’s in Public Relations from the University of Miami, Florida. She has served on several SACAC committees, including the Board, and has presented many times. In her spare time, she enjoys listening to the latest hip-hop gospel artists and exploring Europe, where she resides with her active-duty military husband, two daughters, and son. Contact Jazmane at Jazmane.Brown@enrollmentFUEL.com.

From Form to Enrollment: How FAFSA Completion Shapes Student Decisions

Higher Ed Marketing & Student Search Services | enrollmentFUEL | image of a sticky note with the words "financial aid" written on it

From Form to Enrollment: How FAFSA Completion Shapes Student Decisions

Fall 2025 new student results are in for schools undergoing financial aid optimization. Of the many interesting things we’re seeing at enrollmentFUEL, FAFSA submitting behavior continues to have a significant impact on yield. FAFSA filing rates and overall yield improved as compared to fall 2024. That yield improvement was driven entirely by FAFSA submitters.

Let’s look at the data:

Some interesting observations:

  • The number of admits who submitted a FAFSA increased 6.8% on average year over year across enrollmentFUEL’s optimization partner schools.
  • The average yield jumped 2.6%, moving from 25.4% to 28%.
  • That yield improvement came from FAFSA submitters, who saw a 6% increase in yield, moving from 44.2% to 50.2%.
  • Yield for non-FAFSA submitters declined by 0.4%, moving from 6.4% to 6%.
  • Across all aid optimization partner schools, the yield gap between FAFSA submitters vs. non-FAFSA submitters grew by 6.3 points.

You’ll notice the word submitters vs. filers when presenting FAFSA behavior. That’s because schools generally don’t know if a student is a FAFSA filer or not—they only know if a student submits a FAFSA to them. What’s the difference? All non-FAFSA submitters aren’t the same. For example, students who indicate that they plan to file for aid on their admission application but don’t submit a FAFSA have the lowest average yield across all our partner schools. However, students who indicate that they don’t plan to file for aid on their admission application and who don’t submit a FAFSA, yield 4.5x higher.  

What’s the point? FAFSA submitting behavior is telling us something. It is up to us as enrollment managers to listen. When a student who applies and indicates that they plan to file for financial aid doesn’t submit a FAFSA, they are telling us that they aren’t enrolling. Remember, for FUEL’s aid optimization partner schools the average yield for non-FAFSA submitters is 6%. For some of our schools, that is as low as 1%.

FAFSA submission is one of the top 10 drivers of students’ enrollment decisions for our partner schools. For some schools, it is more predictive than almost every other student attribute or behavior.

What should you be doing?

  1. Every effort to support FAFSA filing yields results. This isn’t just a financial aid office task; the entire enrollment team should be involved in FAFSA completion outreach and events. Think about hiring consulting or seasonal help to support FAFSA completion if needed. There is a clear return on that investment for most schools.
  2. Are you tracking real-time and year-over-year data for FAFSA submitters? You should be! Submitting a FAFSA continues to be a key driver of potential enrollment. You can’t effectively plan for your incoming class and monitor real-time results in-cycle without taking FAFSA submission behavior into consideration.
  3. Do you have a comprehensive and differentiated communication and outreach strategy to support FAFSA filing? It is critical to identify and support students who need help submitting their FAFSA.

Need help?

enrollmentFUEL offers full service financial aid optimization support for schools, which includes significant data collection, validation, analysis, presentation, and retention. We also offer communication and yield support services as well as strategic enrollment management reviews to identify opportunities for enhanced effectiveness in an increasingly more competitive marketplace.

enrollmentFUEL Appoints Jonathan Hayes as Chief Executive Officer

Higher Ed Marketing & Student Search Services | enrollmentFUEL

enrollmentFUEL Appoints Jonathan Hayes as Chief Executive Officer

Mike Wesner transitions to Founder & Executive Chair as the company enters its next phase of growth and innovation. 

FOR IMMEDIATE RELEASE—November 3, 2025 (Raleigh–Durham, NC)

enrollmentFUEL today announced that Jonathan Hayes has been appointed Chief Executive Officer. Company founder Mike Wesner will transition to Founder & Executive Chair, continuing to provide the guidance and vision that will focus on intelligent and emerging technologies as the organization accelerates into its next era of strategic impact and innovation. 

Hayes is a seasoned entrepreneur and builder with a proven record of scaling and leading organizations through pivotal transitions. In his role as CEO, he will focus on empowering enrollmentFUEL’s team and driving measurable growth through ingenuity and operational excellence. 

 “I’m thrilled to join enrollmentFUEL at this exciting time,” said Jonathan Hayes, Chief Executive Officer. “We have a dedicated team that delivers meaningful results for our partners. Looking ahead, I’ll work with our leaders to scale our impact through growth and innovation.” 

Hayes was the founder and CEO of RewardStock, a fintech and travel-rewards app that helped consumers get more value from their points. While CEO, he led the company through rapid growth, product development, and brand expansion—including an appearance on ABC’s Shark Tank, where he landed a deal with investor Mark Cuban. Under Hayes’s leadership, RewardStock scaled its user base, developed proprietary technology, and was later acquired by Experian, where he advanced organizational development initiatives within the company’s direct-to-consumer business. 

 Prior to founding RewardStock, Hayes worked in investment banking at Citi, advising clients across the energy and renewable sectors in the firm’s Mergers & Acquisitions group. He earned a bachelor’s degree in Economics from Princeton University and is an alumnus of the North Carolina School of Science and Mathematics in Durham, NC. 

With Wesner serving as Founder & Executive Chair, enrollmentFUEL remains committed to the same principles that have guided its success—strategy, accountability, and measurable outcomes—now infused with fresh energy to propel the company’s next phase of growth. 

About enrollmentFUEL
enrollmentFUEL partners with colleges and universities to effectively and efficiently improve enrollment performance through strategy, execution, and data-informed optimization. From inquiry generation to financial aid strategies and optimization, to final enrollment yield metrics, enrollmentFUEL delivers measurable outcomes institutions can trust. 

Learn more at enrollmentfuel.com. 

Media Contact
Marketing@enrollmentfuel.com 

Navigating the New Parent PLUS Loan Caps

Higher Ed Marketing & Student Search Services | enrollmentFUEL | image of person using a laptop with icons of bags of money

Navigating the New Parent PLUS Loan Caps

We’re nearly two months into the 2025-26 academic year, which means those of us in enrollment management, admissions, or financial aid are already looking ahead to 2026-27. When I worked in a financial aid office, I often reminded my team: “the only constant is change.” While admissions and enrollment folks are used to the calendar shifting, we haven’t seen many industry-wide changes that directly affect them—until now.


The upcoming year brings a significant shift that, on the surface, may seem like a “financial aid thing”, but in reality, it’s an enrollment thing—or more accurately, an entire campus thing with both immediate and long-term implications.

The One Big Beautiful Bill Act, signed into law on July 4, 2025, is a sweeping 331-page budget reconciliation bill. It’s understandable if the changes to Parent PLUS Loan eligibility flew under the radar. Starting July 1, 2026, new borrowing caps will take effect:

  • $20,000 per year per student 
  • $65,000 over that student’s degree journey

For some institutions, this may not seem like a major shift. But let’s take a closer look at the data; it tells a compelling story.

The U.S. Department of Education publishes a lot of information and, if you know where it’s found, can be fascinating. Their Title IV Program Volume Reports tells the following story about Parent PLUS Loans during the 2024-25 academic year (fun fact: it lists this information by school, so you don’t need your financial aid or institutional research office to get it for you).

  • Total amount borrowed just under $12.2 billion
    • Represents 15% of all federal student loan dollars during the 2024-25 academic year, or 28.1% of all undergraduate specific federal loan dollars.
  • Over 590,000 borrowers
  • Average amount borrowed was $20,664

That average is already above the new annual cap, and there’s a lot being borrowed. You may be thinking “Sure, but that’s just an average—probably a small percentage of total enrollment.” Let’s dig deeper.  

IPEDS allows you to pull unduplicated, grand total undergraduate enrollment, so let’s join data sets (enrollment and Parent PLUS) and see what we get (please note this is for the 2023-24 academic year as IPEDS does not have 2024-25 enrollment data posted).

  • The total undergraduate enrollment at 4-year, degree-granting institutions was approximately 9.8 million students.
  • Parent PLUS Loan recipients were approximately 570,000.  
  • That’s 5.8% of all undergraduate students whose parents used a Parent PLUS Loan.

This is not a fringe issue. It’s a meaningful slice of the student population.

Higher Ed Marketing & Student Search Services | enrollmentFUEL | Parent PLUS Loan Caps | Financial Aid

Private, nonprofit institutions are most at risk but all sectors are affected.

  • What happens if you miss your individual or university enrollment goal by 1–4%?
  • What’s the revenue impact?
  • How does this affect retention and graduation rates?
  • Will your school fill any potential student funding gaps created with institutional aid? What does that do to your discount rate/revenue?
  • What’s the risk to your federal loan cohort default rates if students don’t complete?
  • How does this affect student satisfaction and future alumni giving/engagement?

While the data may feel alarming, the goal here is clarity; informed decisions start with informed conversations.

  • Get Familiar with Your Campus Data: What percentage of your students may run into the upcoming annual or aggregate caps?
  • Educate Campus Leadership: This is not something you want to keep to yourself given the potential impacts.
  • Model Out Various Scenarios: Discuss what this would actually mean on your campus.
  • Communicate Early & Often:
    • Modify your comm plans to include information about the Parent PLUS Loan caps and present them with various options, leaving nothing off the table (payment plans, private loan options, etc.).
    • Transparency is key to avoiding summer melt. It’s never a good thing and if these changes and options aren’t communicated early and often, it could be a rough summer.
  • Empower Your Admissions Staff to Have These Conversations: Equip them with necessary knowledge to help families understand and navigate their paying-the-balance options.
  • Lean on Trusted Partners: This is a shared challenge across the industry and collaboration will be key. Strategic enrollment partners like enrollmentFUEL and as education solutions companies like Sallie, are ready, willing, and able to lend their expertise to train staff on the specifics and nuances of this topic. Calling on them to present to prospective and/or deposited students on the topic at admitted student days may also be an option.

Change is coming on July 1, 2026. Our shared goal is to help students who want to attend college do so and do so successfully. This change presents real challenges, but together we can prepare and empower students and families with the information and options to fulfill their goal of a college degree. To quote Henry Ford, “Coming together is a beginning. Keeping together is progress. Working together is success.”

About the Author
Ed Recker is a Director of High School Relationship Management with Sallie Mae, serving high schools, states, and professional organizations throughout the U.S. He joined Sallie in 2019, and has over 20 years’ experience in the financial aid and enrollment industry. Prior to joining Sallie, Ed was a Senior Consultant within the Enrollment Division of Ruffalo Noel Levitz, held the position of Vice President for Enrollment Management at the University of Findlay, and held various financial aid positions at the University of Findlay, Terra State Community College, and Bowling Green State University. Ed holds an M.Ed. in Higher Education from the University of Toledo, and resides in Ottawa, OH with his wife Kate and daughter Evelyn.

Octane—Cliff or Catalyst? Rethinking Enrollment Strategy

Higher Ed Marketing & Student Search Services | enrollmentFUEL | group of professionals studying a wall of sticky notes

Octane—Cliff or Catalyst? Rethinking Enrollment Strategy

As Senior Director of Data & Strategic Initiatives at the National College Attainment Network (NCAN), Bill DeBaun speaks with quiet conviction about what many college presidents consider an existential threat: the looming demographic decline in college-age students. 


“I call it the enrollment bunny hill,” DeBaun says with a slight smile, rejecting the usual doomsday language. “If I have to fall, I hope it looks like this: gentle and gradual, not a cartoon-style plunge.” 

This perspective shift feels refreshing in a landscape often dominated lately by less-than-cheerful forecasts. But DeBaun isn’t dismissing the challenge out-of-hand, he’s reframing it as an opportunity. 

“This demographic shift has been on the horizon for a long time. We’ve seen this iceberg dead ahead,” he notes. “If you’ve picked the low-hanging fruit on the enrollment tree, you need to climb higher into the branches to get to students who have been underserved.” 

For presidents and enrollment leaders seeking sustainable solutions to reach those students, DeBaun offers several promising pathways. 

“There are still many, many students who graduate from high school capable of succeeding on college campuses who do not have the opportunity to pursue postsecondary education,” DeBaun emphasizes. First-generation students and those from low-income backgrounds represent an “under-tapped resource” for institutions struggling with enrollment. 

Equally important is the pool of over 36 million Americans with “some college, no credential.”1 Among this group, re-enrollment increased 9.1% in the 2022-23 academic year, indicating a growing interest in returning to complete degrees.2 Institutions with effective re-enrollment strategies can tap this massive potential market. 

Perhaps DeBaun’s most compelling insight involves breaking down traditional barriers between K-12 and higher education systems. 

“Too often the water’s edge for K-12 has stopped at high school graduation, and for higher ed, it hasn’t picked up until welcome week,” he observes. That gap can lead many students to fall between the cracks and fail to enroll even if they’re still interested in college in general. One study found that, among students not enrolling immediately, 53% planned to start at a two-year college, while 4% planned to take a “gap” semester before enrolling and 9% formally deferred enrollment; only 3% decided against college altogether.3 That means there’s a lot of room to re-capture students’ interest and drive them toward enrollment.

DeBaun highlights 3 state-level approaches showing particular promise: 

  • Dual enrollment programs that allow high school students to earn college credit, building confidence and momentum toward degree completion 
  • Universal FAFSA policies that make financial aid application completion a high school graduation requirement, which data shows increases both FAFSA completion and college enrollment rates 
  • Direct admissions approaches where institutions proactively notify qualified students of their acceptance, removing application barriers and signaling institutional interest in their enrollment

When asked about his advice for institutions, DeBaun focuses on the power of partnerships.

“If you’re a college or university, what kinds of partnerships can you build with your sending districts and schools? Are you in contact with district leaders who are sending you students for your class?” He elaborates: “If you’re sending a large chunk of your high school seniors to the same institution year after year, you should know how they’re doing when they get there, and have a relationship to ask, ‘How can my students be better prepared?’”

Rather than focusing exclusively on semester-to-semester persistence, DeBaun advocates for more immediate indicators.

“Are students coming to class? Are you checking in with them about their experience?” he asks. “If we wait until the end of a semester to see who returns, you’ve already lost students you could have retained by acting in the moment.”

After watching FAFSA completion rates plummet during the problem-plagued redesign rollout for the class of 2024, DeBaun shares encouraging news: completions are up 25% year-over-year for the class of 2025, potentially returning to pre-pandemic levels.

This matters because historically, FAFSA completion correlates strongly with enrollment. Interestingly, however, last year’s sharp FAFSA decline didn’t translate to an equally sharp enrollment drop.

DeBaun’s message is clear: the enrollment challenge isn’t insurmountable, but it requires fresh thinking and collaborative approaches.

“The mission is too important and the job is too large for any stakeholder to go it alone,” he says. By embracing underserved student populations, forming creative partnerships, and implementing proven support strategies, institutions can navigate the “bunny hill” ahead and emerge stronger on the other side.

For more information about NCAN membership or their national conference, visit NCAN.org.

About the Author
Susanna Lehman, MBA, is enrollmentFUEL’s Vice President of Strategic Enterprise Solutions. With nearly 20 years of experience in admissions, she has worked with a wide range of student populations, including undergraduate, graduate, adult, seminary, and performing arts students. Susanna brings deep knowledge of Slate, having led implementations, audits, and a wide variety of projects during her time as Vice President of Slate Education. She is passionate about helping institutions navigate complex enrollment challenges with strategic, customized solutions. Feel free to connect with Susanna at Susanna.Lehman@enrollmentFUEL.com.


Bill DeBaun is Senior Director of Data & Strategic Initiatives at the National College Attainment Network (NCAN), where he helps schools, nonprofits, and state agencies use data to improve postsecondary outcomes. He leads NCAN’s widely cited FormYourFuture FAFSA Tracker and manages the Benchmarking Project, analyzing outcomes for 500,000+ students. His work appears in major media and informs national education policy. Bill holds a BA from American University and a Master of Public Policy from The George Washington University, focused on education policy.

  1. “Some College, No Credential Student Outcomes: 2024 Report for the Nation and the States .” National Student Clearinghouse Research Center. 6 June 2024. https://nscresearchcenter.org/some-college-no-credential/. 
  2. National Student Clearinghouse Research Center, 2024. 
  3. Goebel, Crag, et al. “Who Isn’t Planning to Go to College?” studentPOLL by Art & Science Group LLC 17.2. June 2024. https://www.artsci.com/student-poll/studentpoll-volume-17-issue-2.