Alternative Lending

August 5, 2026

August 3, 2026

10 Minutes Read

Sallie Mae Targets $5 Billion a Year as Washington Exits Graduate Lending

The Ninth Circuit locked in $23 billion of borrower-defense relief the same month Grad PLUS ended. A roughly $15 billion a year federal market now belongs to private and state lenders, on private terms.

August 4, 2026

Does Middesk Alert You When a Borrower's Registration Status Changes?

Yes, through registration.updated webhook events. What you still have to build around it, and what no status alert will ever tell you.

August 4, 2026

Middesk Continuous Monitoring vs Cobalt Business Monitoring: What Each Alerts On

Middesk monitors five categories, Cobalt Business Monitoring covers the Secretary of State record only. An alert-type-by-alert-type comparison.

August 4, 2026

How to Set Up Business Monitoring for a Loan Portfolio, Step by Step

Start narrow, log before routing, build suppression before alerting. A staged rollout for Secretary of State monitoring across a loan portfolio.

August 4, 2026

Manual Re-Verification vs Automated Change Detection: The Real Cost Comparison

Manual re-verification is competitive at annual frequency, and annual frequency is insufficient for secured exposure. The cost comparison that actually decides it.

August 4, 2026

Which Borrowers Need Continuous Secretary of State Monitoring? A Tiering Framework

Uniform monitoring overspends on stable exposure and underspends on the risky part of the book. A tiering framework built on six variables.

August 4, 2026

The First 24 Hours After a Borrower Entity Status Alert

Preserve the record before you call the borrower. An hour-by-hour runbook for the first day after an entity status alert.

August 4, 2026

Alert Triage: Turning Secretary of State Change Notifications Into Actions

Most monitoring fails at triage, not detection. A severity model for Secretary of State changes, and what belongs in a log rather than a queue.