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<style>#background-2141658897.image__bg{background-image:url(/content/dam/flagship/gcb/college-education-banking/HigherBanking-masthead-375x320.jpg)}@media(min-width:768px){#background-2141658897.image__bg{background-image:url(/content/dam/flagship/gcb/college-education-banking/HigherBanking-masthead-768x320.jpg)}}@media(min-width:1024px){#background-2141658897.image__bg{background-image:url(/content/dam/flagship/gcb/college-education-banking/HigherBanking-masthead-1024x340.jpg)}}@media(min-width:1200px){#background-2141658897.image__bg{background-image:url(/content/dam/flagship/gcb/college-education-banking/HigherBanking-masthead-1440x380.jpg)}}</style> <div id="background-2141658897" class="image__bg" alt="Students in a classroom"> <div class="image__bg-content"> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--callout-container"> <div class="callout-container callout-container--masthead hasH1"> <div class="callout-container__content callout-container__content--white"> <div class="callout-container__content-wrapper center-xs"> <div class="header text " data-action="text-component"> <h1 class="header__headline header--default "> Higher Education Banking </h1> <div class="header__subheadline" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <h2><span class="header--h4">Achieve your financial goals with higher education specialists.</span></h2> </div> </div> <div class="cta-container "> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Fulfilling your mission in higher education comes with an array of complexities. That’s why we provide specialized teams dedicated to serving public and private colleges, universities and research institutions nationwide.</p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--anchor-link-navigation js-anchor-nav-sticky"> <div class="anchor-navigation container-full-bleed " data-action="anchor-link-navigation-component"> <button class="anchor-navigation__close anchor-navigation__background--cool-gray" aria-expanded="false" aria-label="Close Menu"></button> <ul class="anchor-navigation__links anchor-navigation__links--center anchor-navigation__background--cool-gray " role="presentation"> <li class="anchor-navigation__item anchor-navigation__item--dark-blue active"> <a class="anchor-navigation__link js-anchornav-anchor t-track-anchor-navigation-link " data-bactmln="Nav-_-Samepage-_-reports_#reports" href="#reports" aria-label="Reports">Reports</a> </li> <li class="anchor-navigation__item anchor-navigation__item--dark-blue "> <a class="anchor-navigation__link js-anchornav-anchor t-track-anchor-navigation-link " data-bactmln="Nav-_-Samepage-_-fund-growth-and-operations_#fundgrowthandoperations" href="#fundgrowthandoperations" aria-label="Fund growth and operations">Fund growth and operations</a> </li> <li class="anchor-navigation__item anchor-navigation__item--dark-blue "> <a class="anchor-navigation__link js-anchornav-anchor t-track-anchor-navigation-link " data-bactmln="Nav-_-Samepage-_-enhance-cash-flows-and-efficiency_#enhancecashflowsandefficiency" href="#enhancecashflowsandefficiency" aria-label="Enhance cash flows and efficiency">Enhance cash flows and efficiency</a> </li> <li class="anchor-navigation__item anchor-navigation__item--dark-blue "> <a class="anchor-navigation__link js-anchornav-anchor t-track-anchor-navigation-link " data-bactmln="Nav-_-Samepage-_-conduct-operations-internationally_#conductoperationsinternationally" href="#conductoperationsinternationally" aria-label="Conduct operations internationally">Conduct operations internationally</a> </li> <li class="anchor-navigation__item anchor-navigation__item--dark-blue "> <a class="anchor-navigation__link js-anchornav-anchor t-track-anchor-navigation-link " data-bactmln="Nav-_-Samepage-_-client-service-and-commitment_#clientserviceandcommitment" href="#clientserviceandcommitment" aria-label="Client service and commitment">Client service and commitment</a> </li> </ul> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-small separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--page-anchor"> <a id="reports" class="page-anchor" href="#reports">Section</a> </div> <div class="aem-wrap--layout-container"> <div id="layout_33123" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default header--black"> Reports: How decision-makers manage change </h2> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Higher education is rich with tradition. But beyond the fight songs, ivy-covered walls and distinguished alumni, another custom is constant — change. One of the most dramatic changes has been toward digital transformation, and the pace continues to quicken. We learned from innovative decision-makers how they are setting up their campuses for success, and we share our findings in the reports below.</p> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_35438" class="layout-container layout-container--center "> <div class="layout-container__content container layout-container__col-layout--6-6"> <div class="row"> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white "> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/flagship/gcb/college-education-banking/cashlesspayment-530x350.jpg" width="530" height="350" alt="woman looking at mobile phone"/> </div> <div class="content-block__body-container "> <div class="content-block__headline"> <h4 class="content-block__header header--h4 header--blue">Cashless payments</h4> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>The journey to cashless payment systems at colleges and universities continues to evolve. Bank of America held a panel discussion with higher education decision-makers who shared their ideas for achieving approval and managing the transition.</p> <p> </p> <p style="text-align: left;"><a href="/content/dam/flagship/gcb/college-education-banking/making_the_cashless_campus_a_reality.pdf" target="_blank">Read a summary of the conversation</a></p> </div> <div class="content-block__cta"> <div class="cta-container "> </div> </div> </div> </div> </div> </div> <div class="col col-xs-12 col-sm-6"> <div class="aem-wrap--content-block"> <div class="content-block content-block--white "> <div class="content-block__image-container"> <img loading="lazy" class="content-block__image" src="/content/dam/flagship/gcb/college-education-banking/highereducation-530x350.jpg" width="530" height="350" alt="overhead view of conference table"/> </div> <div class="content-block__body-container "> <div class="content-block__headline"> <h4 class="content-block__header header--h4 header--blue">Change management in higher education</h4> </div> <div class="content-block__body" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>As the pace of change and digital transformation picks up across all industries, higher education institutions face their own unique challenges. Bank of America recently held a panel discussion with higher education clients who shared their best practices for managing change.</p> <p> </p> <p><a href="/content/dam/flagship/gcb/college-education-banking/higher-education-change-management.pdf" target="_blank">Read a summary of the conversation</a></p> </div> <div class="content-block__cta"> <div class="cta-container "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="aem-wrap--page-anchor"> <a id="fundgrowthandoperations" class="page-anchor" href="#fundgrowthandoperations">Section</a> </div> <div class="aem-wrap--layout-container"> <div id="layout_98940" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default header--black"> Fund growth and operations </h2> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Whether you’re expanding or improving your institution, cost-efficient capital helps you meet your current and future needs. Understanding your strategic and operating needs is how our financing specialists help you succeed.</p> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--tile-container"> <div class="tile-container tile-container--icon tile-container--col-3 " data-action="tile-container-component" data-props-initial-load-count="3" data-props-show-items-count="6"> <div class="container"> <div class="tiles row manually-tiles "> <div class="aem-wrap--tile"> <div class="tile tile--align-center "> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/flagship/gcb/college-education-banking/financing.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--blue-royal "> Working capital financing </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Match your working capital requirements with flexible credit solutions including revolving and nonrevolving lines of credit and business credit cards.</p> </div> </div> </div> </div> <div class="aem-wrap--tile"> <div class="tile tile--align-center "> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/flagship/gcb/college-education-banking/loans.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--blue-royal "> Term loans </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Benefit from term loans with fixed-rate pricing and a predetermined payment schedule, to forecast your cash flow with greater precision and match the useful lives of assets financed.</p> </div> </div> </div> </div> <div class="aem-wrap--tile"> <div class="tile tile--align-center "> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/flagship/gcb/college-education-banking/enhancement.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--blue-royal "> Credit enhancement </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>When issuing variable-rate demand notes, use a bank-direct pay letter of credit, or initiate a standby bond purchase agreement to meet liquidity requirements.</p> </div> </div> </div> </div> </div> </div> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-none"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--layout-container"> <div id="layout_47636" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth" style="max-width:863px;"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--tile-container"> <div class="tile-container tile-container--icon tile-container--col-2 " data-action="tile-container-component" data-props-initial-load-count="2" data-props-show-items-count="6"> <div class="container"> <div class="tiles row manually-tiles "> <div class="aem-wrap--tile"> <div class="tile tile--align-center "> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/flagship/gcb/college-education-banking/equiptmentfinancing.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--blue-royal "> Equipment financing </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Adopt flexible, customized solutions at a lower cost while meeting your accounting, tax and cash flow objectives.</p> </div> </div> </div> </div> <div class="aem-wrap--tile"> <div class="tile tile--align-center "> <div class="tile__image-container "> <img class="tile__image " src="/content/dam/flagship/gcb/college-education-banking/bridgefinancing.svg" alt aria-hidden="true"/> </div> <div class="tile__body-container"> <h3 class="tile__headline header--h4 header--blue-royal "> Bridge/interim financing </h3> <div class="tile__body color-default " data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"><p>Obtain interim financing to aid in completing a transaction in advance of more permanent capital.</p> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--page-anchor"> <a id="enhancecashflowsandefficiency" class="page-anchor" href="#enhancecashflowsandefficiency">Section</a> </div> <div class="aem-wrap--layout-container"> <div id="layout_41258" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default header--black"> Enhance cash flows and efficiency </h2> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p style="text-align: center;">Strong cash flows and efficient operations are critical in serving the needs of students, faculty and staff. Increase your visibility, control and efficiency by optimizing your working capital and liquidity. 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knowledge</li> <li>Connections with more than 140 currencies and 200 countries and territories</li> <li>Powerful global liquidity platform to consolidate cash, improve forecasting and increase efficiency</li> <li>Regions include North America, Latin America, Europe and Asia-Pacific</li> </ul> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--transparent separator__line--thin"></div> </div></div> <div class="aem-wrap--page-anchor"> <a id="clientserviceandcommitment" class="page-anchor" href="#clientserviceandcommitment">Section</a> </div> <div class="aem-wrap--layout-container"> <div id="layout_3312" class="layout-container "> <div class="layout-container__content container layout-container__col-layout--fullwidth"> <div class="row"> <div class="col col-xs-12"> <div class="aem-wrap--header"> <div class="header text header--center" data-action="text-component"> <h2 class="header__headline header--default header--black"> Client service and commitment </h2> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p>Understanding the issues facing higher education is critical to providing financial solutions that best serve the missions of colleges and universities.</p> <p> </p> <p>Clients have the confidence of working closely with a highly experienced higher education team that serves nearly 3,000 educational institutions, 82% of the “Top 100 National Universities”<sup><a href="#footnote-1">1</a></sup> and 90% of “America’s Best Colleges.”<sup><a href="#footnote-2">2</a></sup></p> <p> </p> <p>Year aﬅer year, semester aﬅer semester, Bank of America leverages the strength of one of the world’s leading banks — and the focused attention of a local relationship — to help institutions of higher education turn opportunities into realities again and again.</p> <p> </p> <p>To learn more about our commitment to higher education, please contact your Relationship Manager.</p> </div></div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none separator--bottom-padding-small"> <div class="separator__line separator__line--white separator__line--thin"></div> </div></div> <div class="aem-wrap--text"> <div class="text" data-props-tagging-label="Text_Link-_-Hyperlink-_-" data-props-tagging-class="t-track-text-link" data-action="text-component"> <p><span class="footnote"><sup><a id="footnote-1"></a>1</sup> U.S. News & World Report, September 2021<br/> <sup><a id="footnote-2"></a>2</sup> Forbes, September 2021</span></p> </div></div> </div> </div> </div> </div> </div> <div class="aem-wrap--separator"> <div class="separator separator--transparent separator--top-padding-none 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