Enrollment, Secured

Use our complimentary Enrollment Growth Calculator to estimate how many additional students you could enroll with LRAPs. In seconds, it combines your institution’s IPEDS data with Ardeo’s historical LRAP results to project your potential enrollment impact.

For a more detailed assessment, our team of former enrollment leaders can perform a custom analysis, evaluating your institution’s goals, student populations, and enrollment strategy to determine where LRAPs are most likely to make an impact.

A Ruffalo Noel Levitz (RNL) survey of 1,200 matriculated families found that 16.1% said their student would not have enrolled and attended without LRAP, while 65.3% said LRAP positively influenced their enrollment decision.

Want to understand what LRAP could mean for your enrollment? Request a complimentary Opportunity Analysis. Our team of experienced enrollment leaders will evaluate your goals, student populations, and enrollment strategy to identify where LRAP is most likely to make an impact.

Yes.

Research consistently shows that concerns about student debt and repayment are among the biggest barriers to enrollment.

In fact, “level of debt” is the #1 concern about college among families, according to a 2026 Princeton Review Survey of high school students and parents. It has been the #1 concern for 13 consecutive years.

This concern translates into real, measurable behavior. In 2026, Encoura found nearly 2 in 3 (60.2%) of students say they have ruled out a college because of the amount of student loans they would need to borrow.

The challenge isn’t simply the overall cost or amount required to borrow. Many students hesitate because they are uncertain about what life after graduation will look like.

Concerns like:

• Will I be able to repay my loans?
• Will debt limit my professional or personal choices?
• What happens if I don’t earn as much as I expect?

often go unresolved during the enrollment process. LRAPs help institutions eliminate those concerns and enable enrollment.

LRAPs have been used by more than 250 institutions.

Partners include institutions such as Belmont University, Westmont College, Loyola University New Orleans, Eastern Michigan University, Centenary College of Louisiana, Bradley University, Colorado Christian University, Valparaiso University, University of Portland, Palm Beach Atlantic University, Xavier University, and many others.

Additional aid is an effective way to change a decision, but it’s expensive.

According to a 2024 Ellucian survey, it takes $5,000 in additional aid per year to change 44% of students’ enrollment decisions. That’s $20,000 over four years.

LRAPs can grow enrollment for a fraction of that cost.

For many families, the question isn’t just, “Can we afford this college?” It’s also, “What happens if things don’t go according to plan after graduation?”

By providing a post-graduation safety net, LRAPs resolve these concerns without requiring institutions to increase their discount rates.

No.

Many institutions use LRAPs strategically to support specific enrollment goals.

Common targets include:

• Education, social work, and other mission-driven majors
• Populations with historically lower yield rates
• Specific SAI or financial need bands
• States or other geographic regions
• First-generation students
• Transfer students
• Unresponsive admits

Institutions can target as many populations as they wish – up to their entire incoming class.

Pricing varies by client. Please reach out to view pricing for your institution.

Partners only pay for students who enroll with LRAPs and borrow.

Because LRAP costs are tied directly to enrollment outcomes, many institutions view them as a cash-flow-positive investment.

There are no upfront implementation fees.

Launch in as little as five business days.

Our team provides strategy consultation, admissions team training, marketing support, and ongoing check-ins to ensure a successful experience.

LRAPs help students feel more confident about the future.

Many institutions already work hard to make college affordable. Those efforts are important, but they don’t always address students’ concerns about what happens after graduation.

LRAPs provide reassurance that if a graduate’s income is modest, they won’t have to face student loan repayment alone.

As concerns about repayment decrease, students are more likely to:

• Complete applications
• Submit deposits
• Follow through on their enrollment plans

The result is measurable enrollment growth.

“I would not have been able to attend Butler without this award. I love everything about Butler; however, the price tag discouraged me from attending. LRAP made me feel a lot more confident.”
– Delylah T., LRAP Recipient

Here’s a snapshot of the results some of our partners are seeing:

• 355 students enrolled with LRAPs at Loyola University Chicago
• 109 students enrolled with LRAPs at Aurora University
• 61 students enrolled with LRAPs at Whitworth University

A Loan Repayment Assistance Program (LRAP) is a financial safety net that helps repay federal student, private alternative, and parent PLUS loans if a graduate’s income is modest.

Institutions partner with Ardeo to offer LRAPs to their undergraduate students. By reducing concerns about borrowing and repayment, LRAPs help students feel more confident about enrolling.

Unlike scholarships or grants, LRAPs don’t reduce the overall cost of attendance. Instead, they provide reassurance about what happens after graduation by promising to put money in the pockets of grads who need repayment assistance.