I love it here!

Learn why our employees say "I Love It Here" at Granite State Management & Resources!


Much has changed since August 1962 when NHHEAF guaranteed its first student loan. However the fundamental way in which we do business has remained constant. The characteristics that have set The NHHEAF Network apart over the years include financial discipline, first-rate customer service, strong leadership and capable, skilled employees. The NHHEAF Network has remained at the forefront of the student loan industry, thanks in part to its ability to incorporate the latest technology into its operations and to anticipate customer needs.

The NHHEAF Network is comprised of three active 501(c)(3) nonprofit agencies - New Hampshire Higher Education Assistance Foundation (NHHEAF), Granite State Management & Resources (GSM&R) and New Hampshire Higher Education Loan Corporation (NHHELCO) - which provide outstanding college access programs for New Hampshire students, families and schools. GSM&R, through NHHELCO, was awarded a contract for the servicing of federal student loans owned by the U.S. Department of Education in April 2012. The contract leverages GSM&R's operating infrastructure and its unwavering commitment to support borrowers toward successful student loan repayment.

Our campus-style facility, located in Concord, gives the Organizations access to the State's education authorities, and strongly positions the organization to continue its role as a valuable resource to the higher education community. In addition, the support the Organizations have earned from its statewide partners instills the message that the organization is New Hampshire's authority on college planning and student loan repayment, is reliable, quality-focused, and a trusted friend to its education partners.

CLICK HERE to see job openings & to apply online.

To provide equal employment and advancement opportunities to all individuals, employment decisions at Granite State Management & Resources will be based on merit, qualifications, and abilities. Granite State Management & Resources does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex (including pregnancy, childbirth or related medical conditions), national origin, ancestry, age, a qualified individual with a disability, family care status, status as a protected veteran, marital status, sexual orientation or any other characteristic protected by law.

GSM&R participates in E-Verify.

Equal Employment Opportunity / Affirmative Action:


Full-time employees enjoy excellent benefits including:

  • Medical - Harvard Pilgrim Healthcare (80% company paid)
  • Dental- Delta Dental (100% company paid)
  • Vision - Delta Vision (80% company paid)
  • Life/LTD/AD&D Insurance (100% company paid)
  • 403(b) retirement plan with generous company match
  • Non-elective Employer Contribution to retirement plan after 2 years
  • Tuition Reimbursement
  • 11 paid Holidays/Floating holidays
  • Earned Time Off (ETO)
  • Free Global Wi-Fi / Free onsite parking / Free Coffee
  • Casual days for Charity

Interested applicants can apply online.

Executive Management Staff

Christiana Thornton, President and Chief Executive Officer, joined the Organizations in October 2018.

     Ms. Thornton became the fourth President and Chief Executive Officer of the NHHEAF Network in November of 2018, after serving briefly as President and CEO-Elect. She was a member of the Board of Directors of NHHELCO from 2010, including serving on NHHELCO’s Audit Committee, until her appointment as President & CEO-Elect in October 2018. Prior to joining the NHHEAF Network Ms. Thornton served as President & CEO of the New Hampshire Bankers Association (NHBA) from 2011 to 2018 and as Vice President of Government Relations of the NHBA from 2008 to 2011. She has been a national leader in the banking industry serving in several appointed positions at the American Bankers Association, including the Community Bankers Council and Credit Union Executive Committee. Likewise, she has held appointed positions at the Independent Community Bankers of America, including the Capital Committee and Mutual Bank Council.

     Prior to joining the NHBA, Ms. Thornton served as a legislative aide to former United States Senator John E. Sununu, working in the areas of education, finance, healthcare and community development. Ms. Thornton received her Bachelor of Arts degree in Political Science with a Minor in Communications from Rollins College in 2002.

      Ms. Thornton was elected to the National Council of Higher Education Resources (NCHER) Board of Directors in July 2019. In August 2019, she was elected to the Board of Directors for Merrimack County Savings Bank. In February 2020, she joined the Federal Reserve Bank of Boston’s New England Community Development Advisory Council (CDAC).

John Flanders, Vice President and Chief Operating Officer, joined the Organizations in August 2019.

     John previously served as the Chief Operating Officer with the New Hampshire Community Loan Fund (NHCLF), with oversight for a variety of business units including operations, technology and lending. Prior to working for NHCLF, he served as the Chief Risk Officer and Senior Vice President for Administration at The Nashua Bank. His background also includes serving as the SVP/Director of Commercial Portfolio and Credit Administration at St. Mary’s Bank. Flanders earned his Bachelor’s Degree in Geography from Dartmouth College with an additional certificate in nonprofit management from New Hampshire College. He holds additional certifications from the American Bankers Association.

In June 2019, John was elected to the NH Center for Nonprofits Board of Directors.

Additional members of the Management team include:

  • Dan Coughlan - VP, Finance,
  • Karen Losik - VP, Loan Services,
  • Kathy Maguire - VP, Human Resources; and
  • Erik Sobel - VP, Information Services

We are comprised of the following business units:

  • Administrative Operations
  • Borrower & Loan Services
  • Center for College Planning & Community Engagement
  • Compliance
  • Executive
  • Finance
  • Guarantor Services
  • Education Resources
  • Human Resources
  • Information Services

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