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Who Are We. The National Council of Higher Education Resources NCHER is the nations oldest and largest national trade association that represents higher education service agencies who help students and families develop pay for and achieve their career training and postsecondary educational goals. Our members include student loan servicers guaranty agencies lenders secondary markets private collection agencies schools and others that administer federal state and private loan and grant programs. Many of our members including state agencies and statedesignated authorities also provide higher education awareness access outreach loan default prevention and financial literacy services.