About SLA


The Student Loan Alliance (SLA) will be the preferred resource for borrowers challenged with excessive student loan debt to receive comprehensive holistic financial counseling, education and assistance.


The SLA identifies, develops and provides solutions to mitigate the national student loan crisis by promoting:

  • Partnership – Facilitating private, non-profit and public partnerships to develop best practices,
  • Borrower Outreach – Implementing robust borrower outreach campaigns to increase awareness, and
  • Counseling and Education – Providing streamlined counseling and education that deliver sustainable solutions.


The Alliance consists of two types of members; core members and affiliate members who pay annual dues for SLA to provide supportive services.

Core Members

Core Members represent sophisticated credit and student loan counseling organizations that have streamlined platforms to manage high volumes of consumer calls and are highly trained to assist borrowers in all facets of financial counseling.  Organizations have centralized counseling platforms in which technology is best leveraged to effectively triage borrower requests, clearly identify the most ideal options for the borrower, and have a proven track record coordinating with loan servicers and creditors while maintaining a high level of customer service.  Most of these counseling agencies manage a minimum of 1 million borrower counseling sessions per year. A limited number of national and regional non-profit counseling agencies will be selected to deliver education, counseling and assistance

Affiliate Members

Affiliate Members represent other organizations that are directly involved in developing solutions to address the student loan crisis and share in SLA’s core mission.  They include:

  • Lenders / Servicers
  • Secondary Market Investors
  • Industry Trade Associations
  • Colleges and Universities

Core Objectives

Non Profit Counseling and Education

Providing streamlined counseling and education that deliver sustainable solutions.

Providing multiple mediums for borrowers to submit assistance requests:

  • National Toll Free Hotline to link borrowers with a credit counselor
  • Borrower Portal – Provide an online application that promotes debtors self-submitting a request for assistance from participating counseling agencies
  • Counselor & Servicer Portals – Providing a streamlined mechanism for servicers/investors to receive applications for request
  • Comprehensive Educational consumer facing website

Borrower Outreach

Implementing robust borrower outreach campaigns to increase awareness.

Comprehensive Marketing and Communications Campaign that includes:

  • Social Media Campaign
  • Radio and Print Ads and Interviews
  • Links on strategic partner websites


Facilitate private, non-profit, and public partnerships to develop best practices,

Facilitate periodic conferences and working groups to improve the delivery of student loan default solutions; this may include:

  • Publishing Industry Best Practices
  • Promoting standardization between federal and private investor work out solutions
  • Serve as repository for industry data
  • Facilitate legislative/regulatory briefings
  • Identifying a long-term funding model that supports independent counseling

Alliance President – Larry L. Gilmore

Larry L. Gilmore has been actively involved in developing solutions in banking and finance for over 20 years.  He is the principle of The Gilmore Consulting Group, LLC, which assists clients that have unique needs in industry and community relations, marketing and communications, business development, organizational development, and managing comprehensive business strategies in mortgage originations, servicing, risk management, and the like.

Larry L. Gilmore co-founded and served as the CEO and President for HOPE LoanPort (HLP), the mortgage industry portal designed to facilitate the submission of full modification applications to mortgage servicers.  In this role, he oversaw securing long-term federal and state contracts, participation by over 4000 non profit counselors nationwide, and ensuring over 80% of mortgage servicers were active participants.  He also served as the Executive Director for the HOPE NOW Alliance in a consultant capacity where he assisted in managing a comprehensive strategy to preserve homeownership facilitating partnership initiatives between investors, servicers, counselors, consumer advocates, and multiple government entities.  This includes executing strategies specific to consumer outreach, education, and ensuring borrowers’ access to long-term solutions.

In prior years, Larry served as Vice President of Emerging Markets and VP of Government, Housing, and Industry Relations for Option One Mortgage Corporation (at the time a subsidiary of H & R Block Corporation), where he had direct responsibilities for directing strategies designed for lending opportunities among growing segments, expanding the company brand by managing ongoing relationships with community organizations, consumer advocacy groups, industry trade associations, regulators, legislators and GSEs.  Larry also worked on specific strategies to increase cultural diversity and served as the Chair for the Mortgage Bankers Association of America’s Diversity Task Force.

Larry served as the Associate Director of Industry Relations at the Mortgage Bankers Association of America (MBA) with core responsibilities managing outreach and policy issues.  Larry served as MBA’s liaison for the Association’s Expanding Markets Committee and the Non Conforming Credit Lending Committee, which served as the voice of MBA member firms and assisted in developing MBA’s position on affordable housing and nonprime lending issues.  In addition, Larry was responsible for coordinating MBA conferences, launching an industry cultural diversity initiative, and facilitating MBA’s development of numerous affordable housing efforts.

Larry joined Norwest Mortgage in 1996 (which merged with Wells Fargo in 1999) where he developed much of his experience in single-family affordable housing while serving as the Manager of Market Opportunities.  At Wells Fargo, Larry managed a research division that identified market opportunities and developed strategic plans to increase affordable home lending across the country.   In addition, Larry assisted in the development of national programs and identified partnership opportunities.

Prior to Norwest, Larry managed multi-family affordable housing. He managed 2 sky rise section 202 facilities in Des Moines, IA that housed 289 senior citizen and mobility impaired households.

He also assisted in research studies to better understand minority and low-to-moderate income markets, and worked as a planner to provide economic, community, and housing strategies to rural communities.  Larry has and continues to serve on numerous boards that provide services in many of these areas.

Larry graduated from Iowa State University with a Bachelor’s of Science Degree in Community and Regional Planning with an emphasis in affordable housing and later received his Masters of Public Administration Degree with an emphasis in organizational development and public policy from Drake University.  He has received a number of certifications specific to affordable housing management, planning, and real estate finance, including receiving his designation as an Accredited Mortgage Professional, Certified Mortgage Banker, and a Certified Affordable Housing Manager.