Financial Management Institute was founded by Kenneth Grayer and Nick Farina on the bases that we could help students and non-students ease the burden of managing the mounting student loan debt crisis.  We are a group of financial industry experts former student loan default collectors, collectively with over 100 years of real-world financial management and business expertise. Our staff is comprised of industry experts who must pass a rigorous screening process to meet our exceptionally high standards in loan education, financial management and financial literacy.

We make every effort to help our clients navigate and simplify complex defaulted student loan, evaluate and select the best repayment choices for their unique needs and transform the burden of their defaulted student loans into a restored, manageable payment program that is cost-effective and hassle-free.

We pride ourselves on providing our clients with FREE online access to tools and resources to manage their finances, We understand the complex student loan landscape and provide expert guidance to help you make the right choices for your unique needs.