FEDERAL STUDENT AID
REDUCING DEFAULT LOANS
2018 SERVICE TO THE CITIZEN AWARD WINNERS
The FSA team led a campaign that enabled the office of Federal Student Aid (FSA) to better understand the citizens they serve. This campaign included partnering with the Office of Evaluation Sciences at GSA to collect information by conducting behavioral customer research using randomized controlled trials. A segment of customers was either sent a positively or negatively framed message about potential consequences of loan default and compared that with a control group that did not receive the message. Results revealed that borrowers in default on their loans were more likely to take action after getting a negatively framed message about the potential consequences of default. These results enabled the FSA to understand its customers better and target outreach more effectively.
The work conducted by this team demonstrated that relying on what customers say in surveys only solves part of the puzzle and to fully understand how customers use government services and respond to outreach, agencies also need to take into account how they actually behave. In some cases, messages could be having a negative effect on customers which the FSA demonstrated by their trials and why government agencies should be conducting rigorous customer research and testing. As a result of analysis, FSA sends customers more effective communications that result in the desired actions.
JESSICA SIMPSON
SENIOR ADVISOR FOR THE BORROWER EXPERIENCE
FEDERAL STUDENT AID
DR. G. DALE THOMAS
MANAGEMENT AND PROGRAM ANALYST
FEDERAL STUDENT AID
ROSALIZES WRIGHT
PROGRAM SPECIALIST
FEDERAL STUDENT AID