Welcome to Agentic Past-Due Outreach thatstarts outreach at day 5 instead of day 90.
Institutional collections ages a balance in silence and then sells it for a fraction of its value. Risely's agents work the aging report at day 5, sorted by what the record already knows, and a bursar staffer releases every wave.
Aging report · worked at day 5
sorting 0/3
day 5
outreach starts
day 30
the ladder warns in advance
day 60
still institutional
day 90
the agency call
The day-5 text costs nothing. The day-90 agency call costs most of the balance and all of the relationship. Nothing sends until a bursar staffer says so.
Three identical balances, three different letters.
A decline code, an aid gap, a student who simply has not paid. Risely's agents read the evidence the record already carries and write the message that fits each one, which is the difference between outreach and dunning.
What the record says
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Forgot
the processor returned an expired-card decline code
Hardship
an aid gap and a dropped work-study shift on the file
No signal
a good card, a reachable student, and no payment
Three accounts with the same balance need three different messages. The record already knows which is which.
Every fee gets warned before it posts.
The ladder carries dates, and each step names what happens next and when. A student who was told exactly what was coming reads the office as firm, which is also why the balance gets paid.
The ladder has dates on it
day 5
A message with the balance and a plan offer
day 30
A reminder naming the fee and the date it posts
day 60
The fee posts, exactly as it was described
day 90
The institution makes the referral decision
A fee a student was warned about reads as firm. A fee that arrives unannounced reads as a trap, which is also why it does not get paid.
The small hardship goes to the office that can cover it.
Risely's agents check the record against the emergency-fund criteria and loop in aid before the ladder does anything else. A few hundred dollars of hardship should never end an enrollment.
Pricing a $300 problem properly
The gap
a $300 balance and a shift that disappeared
The route
emergency-fund criteria checked, aid looped in
The alternative
a write-off and a student who does not come back
A $300 hardship that ends an enrollment costs the institution a $30,000 lifetime value.
Day 5 costs a text. Day 90 costs the student.
An account sold to an agency comes back at a fraction of its value and takes the relationship with it. Working the report early is the cheapest thing the office does all year.
What each end of the calendar costs
one text message
the balance clears at full value
70% of the balance
an agency keeps most of what it collects
100% of the relationship
the student does not enrol again
An account sold to an agency returns about 30 cents on the dollar. The message that would have fixed it was free.
One thing moves. The outreach re-runs.
A card expires, a shift disappears, an aid award reverses. Any of them turns a current account past due, and every one runs the same way.
A card on file expires
the autopay declines quietly
The record names the reason
the processor's decline code says the card died
One text goes out at day 5
with a link that fixes it in a minute
A bursar staffer releases the wave
one review logs every account
The balance clears inside 48 hours
and day 90 never arrives
What changes, and how it runs.
The aging report gets worked at day 5
Most of it was a one-message fix all along.
Hardship reaches the office that can help
A few hundred dollars stops ending enrollments.
Fewer accounts ever reach an agency
The balance clears at full value and the student stays.
The technical read
Connects read-only to your SIS, aid system, and bursar ledger to start
A bursar staffer releases every wave
Every action lands on an append-only log
Runs alongside what you have. Nothing rips out.