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Learn which credits from NH community colleges will transfer to participating 4-year colleges with NH Transfer

Granite State Management & Resources (GSM&R)

Granite State Management & Resources (GSM&R) was established in 1986 to assume administration and loan servicing of federal and private student loan programs. GSM&R contracts with NH Higher Education Assistance Foundation (NHHEAF) and New Hampshire Higher Education Loan Corporation (NHHELCO) to provide financial management, data processing and personnel/facilities administration. Loan servicing experience began in 1985 with the servicing of the non-federal alternative loan program, The Alternative Loan for Parents and Students, started in 1983 by NHHEAF. Upon its formation in 1986, GSM&R acquired NHHEAF’s loan servicing group. GSM&R began servicing loans available through the Federal Family Education Loan (FFEL) program in the fall of 1993, which coincided with the start-up of secondary market and lending operations by the New Hampshire Higher Education Loan Corporation (NHHELCO). Most recently, GSM&R became a federal contractor for the U.S. Department of Education to service the Federal Direct Student Loan Program*. Providing life-of-loan maintenance and servicing for federal and private student loan programs, its nationally recognized loan servicing expertise is a source of pride. We consistently exceed industry standards. Our success is due to our tenured management team, dedicated and proficient staff and overall commitment to excellence.

Granite State Management & Resources’ Mission:
Attract and develop talented and dedicated professionals in order to provide superior personalized service to individuals and education industry partners. We recognize that the quality of ongoing services is dependent upon our maintaining a sound financial base and secure infrastructure. Towards that end, we are committed to the ongoing evaluation of current services and the development of new programs which better serve our various constituencies and contribute to the strength of our organization and fulfill our nonprofit purpose.

*To obtain a list of all federal contractors for the U.S. Department of Education, please visit