Florida Agricultural and Mechanical University COLLEGE OF PHARMACY AND PHARMACEUTICAL SCIENCES   August 23, 2004    To Whom It May Concern:   This letter is to acknowledge the presentation that was done by Ms. Linda Mobley.  It was presented in a professional manner, and the students were very attentive and eager to learn more.  The material provided covered credit, student loan repayment, delinquency, and default.   The hands on approach, was very effective, and I highly recommend it to any interested in learning about student loan repayment, and in lowering their default ratio.   We look forward to her return visit to our campus.   Sincerely,   Renee C Brown Coordinator of Student Affairs FAMU College of Pharmacy/Tampa Division     Saint Augustine College   March 3, 2005    To Whom It May Concern:   I am writing in support of Linda Mobley and her commitment to promoting financial education and empowerment to persons attending institutions of higher learning, particularly those attending Historically Black Colleges and Universities.   During each session, she gave our students a comprehensive analysis on loan interest, consolidation and repayment options.  The students found her to be engaging, as well as informative.  I am certain, that her level of knowledge and confidence was conveyed to those students, who are now informed consumers.   Through the assistance of Linda Mobley, St. Augustine's College has lowered the 2003 cohort default draft.  With this continued partnership, we expect even more success in our default management activities.  Linda Mobley's, level of commitment to this work is evident in the presentations conducted with zeal, as well as the interaction she has exhibited with our students.   I expect that Ms. Mobley will continue to be a worthy asset, to an institution seeking to promote and educate students on financial education, for themselves, and their respective colleges and universities.   Sincerely, I am   Carmela Cohen-Perry Default Manager/Financial Aid Administrator     Bennett College   November 17, 2004    To Whom It May Concern:   Thorough, Clear Presentations, Professional, Follow Through and Follow-UP are the words or phrases that could describe the Presentations given or the work done by Ms. Linda Mobley and her staff.   They have helped me tremendously with assisting our students at Bennett College to understand the importance of consolidating their loans in order to ease repayment.   This is a great to work with.   Sincerely,   Betty Watson Assistant VP for Enrollment Services     BETHUNE-COOKMAN COLLEGE Founded 1904   July 6, 2004    To Whom It May Concern:   My colleague and I were very pleased with the exit interview that was done by Ms. Linda Mobley, President of Students Come First Incorporated and her staff.  The students related in a positive manner, and responded with enthusiasm on all aspects of the presentation.   This kind of hands-on-approach is just what we needed for our students.  It was a real learning experience and I believe it was very helpful in providing our students with the tools they needed to prevent default.   I highly recommend their professional services.     Sincerely Yours,   J. Robin McClairen Office Manager / Financial Aid Counselor     Shaw University Default Prevention Department   January 6, 2005    To whom this may concern:   Our Default Prevention Department is very please with all of the wonderful work that has been done by Linda Mobley and her staff at Students Come First. This company has managed to help reduce our default rate tremendously.  Our students are very pleased with their service and professionalism.  Linda Mobley and her staff, truly has a heart for the students and have proven that they are here not only to help our school but to cater to the needs of the students.  It is a pleasure working with Linda Mobley and I highly recommend the services of Students Come First, for this company is known for its excellence.    Sincerely yours,   Tiff Seaberry Default Manager Default Prevention Dept Shaw University