Pennsylvania Higher Education Assistance Agency Student Loan Experience

The redesigned student loan experience on a desktop display, a laptop and a phone

Challenge

PHEAA needed to improve the borrower experience for their Federal and Commercial servicing platforms in order to secure funding.

The engagement included three tracks: technology re-platforming, process re-engineering and digital experience redesign.

Senior Designer · Field research and the app and portal redesign


Four borrowers being interviewed in their homes, faces obscured
A borrower speaking to camera under the title Reflecting on Higher Education, face obscured

Process

The project began with field research to further understand the goals and behaviors of borrowers across different phases of the borrower experience. This phase resulted in a highly emotional video deliverable, which helped our clients forge a new sense of empathy for borrowers.

The service blueprint: borrower phases across the top, rows of activity beneath and a strip of illustrated future concepts
Presentation title slide: Repayment in the face of uncertainty, strategizing for success after school
Insight slide: Coming to terms with life long debt, with two borrower quotations
How might we slide: Staying on top of student debt shouldn’t have to limit life goals

Other research artifacts included a service blueprint with illustrated future vision concepts, and a presentation of themes, insights and HMW statements.


Four mobile screens: the loan summary home, a help menu, a year in review and a graduated repayment plan

Solution

Guided by the future vision concepts from our research, my team redesigned PHEAA's mobile app and online portal, delivering visual assets, clickable prototypes and design principles.


The desktop home page: a greeting, loan summary, upcoming payment, updates and actions and autopay
The Small payments, big impact page: how daily payments work, three benefits and a button to enrol

Outcome

We delivered a flexible, updated design system and new engagement features that helped PHEAA improve their app and portal enough to secure continued government loan servicing contracts.

The AES app now holds a 4.5-star rating from more than 17,000 App Store reviews.