At American Student Assistance® (ASA), our vision is to help kids discover their education and career opportunities. To help as many people as possible do this, we are committed to ensuring our services are accessible. We have tested the ASA® website against current accessibility and usability best practices, including those developed for compliance with Section 508 of the Rehabilitation Act and Americans with Disabilities Act. We recognize that accessibility and usability evolve with technological advances, and as they change, we will continue working to meet these standards to the maximum extent possible. We welcome any ideas or comments that help us improve the accessibility and usability of our website. If you have any difficulty using this site, please email us at webmaster@asa.org.

Privacy Policy


Last updated: March 30, 2020

American Student Assistance (“ASA” or “We” or “Us”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide to us when you visit the website www.asafuturescape.org (our “Website”) along with our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

  • On this Website.
  • In email, text, and other electronic messages between you and our Website.

It does not apply to information collected by any third party website when you click on links to external content or when you interact with a third-party feature on our Website, such as a YouTube video.  It also does not apply to information we may collect on ASA Futurescape, which has separate applicable Terms of Use and a separate Privacy Policy.

Please read this carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you may choose not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This policy may change from time to time (see Changes to Our Privacy Policy, at the end of this Privacy Policy). Your continued use of this Website after we make changes represents your acceptance of those changes, so please check the policy periodically for updates.

Please note that this Website uses YouTube’s API Services.  The handling of the collection, use, and disclosure of information about you by YouTube can be found in Google’s privacy policy, accessible at https://policies.google.com/privacy.

For Our Student Loan Borrowers

This Privacy Policy sets forth our practices for the collection, use, and disclosure of information about visitors to our Website located at www.asa.org. This Privacy Policy is a separate from ASA’s Privacy Notice under the federal Gramm-Leach Bliley Act, which ASA sends to individuals whose loans it holds.

We may already have information about you if we are the guarantor of one of your student loans. We may also receive information about you from your current or former school, financial institutions with which you have accounts, one or more governmental agencies, and other third parties. In some cases, you have already consented to this when you obtained your federal education loan(s) and signed your loan promissory notes. In any event, you hereby consent to our use of this information in accordance with this Privacy Policy.

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, do not register on the Website, do not use any of the interactive or public comment features of this Website, and do not provide any information about yourself including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn that we have collected or received personal information from a child under 13 without parental consent, we will delete that information. If you believe that we might have any information from or about a child under 13, please contact us as soon as possible at:  webmaster@asa.org

Information We Collect About You and How We Collect It

The information that we may collect from and about you when you visit our Website, includes information:

  • By which you may be contacted, such as your e-mail address or, if you contact us and provide it, or if you provide it to sign up for a newsletter.
  • Records and copies of communications between you and ASA (including email addresses) if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • About your internet connection, the equipment you use to access our Website, and usage details, which may be automatically collected as you navigate through the site using technologies such as cookies, web beacons, and other tracking technologies as more fully described below.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Website, including traffic data, location data, logs, and other communication data, and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Speed up your searches.
  • Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer that allows us to understand how users interact with different features of our Website. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may not be able to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
  • YouTube Technologies. We embed videos from our official YouTube channel using YouTube’s privacy-enhanced mode.  This mode may set cookies on your computer once you click on the YouTube video player, but YouTube will not store personally identifiable cookie information for playbacks of embedded videos using the privacy-enhanced mode.
  • Tracking Pixels. Pages of our website may contain embedded HTML code snippets that permit ASA to track user visits to our website pages and behavior on those pages, which allow third-party advertising partners to display ASA content and advertisements on those third-party websites and services.
  • Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit ASA, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

How We Use Your Information

We use information that we collect about you or that you provide to us, including any Personal Information:

  • To present our Website and its contents to you.
  • To provide you with information, or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To carry out our obligations and enforce our rights arising out of this Privacy Policy, the Website’s Terms of Use, and any other legal terms applicable to use of the Website.
  • To notify you about changes to our Website or any products or services we offer or provide though it.
  • To advertise our services to you, including through third-party websites and services.
  • To allow you to participate in interactive features on our Website.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.

Disclosure of Your Information

Aggregated information is information about our users combined, instead of about a single user.  We may disclose aggregated information about our users or information about a single user that does not identify the individual, without restriction, including aggregated information gathered via cookies, web beacons, and tracking pixels.

We may disclose Personal Information that we collect for the following purposes:

  • To service providers, contractors, and other third parties that support our business and who are bound by contract to keep Personal Information confidential and use it only for the business purposes for which we disclose it to them.
  • As part of a change in business structure or ownership of ASA.  We may disclose Personal Information to the buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of ASA’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by ASA about our Website users is among the assets transferred.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply this Privacy Policy, the Website Terms of Use, or any other terms that apply to the use of this Website.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of ASA, our customers, or others.

Interest Based Advertising

ASA does not display any targeted advertising on our Website. However, we participate in interest-based advertising and use third party advertising companies to serve you targeted advertisements on other websites, apps, or services, including on Facebook, Snapchat, various Google services, and other social networks, or on other devices you may use. These third party ad networks use tracking technologies to recognize your browser or device and to collect information about your visit to our Website to provide you customized content, advertising, and commercial messages, including from ASA, which may be more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics, and market research.

Please note that we use our best efforts and take multiple steps to avoid the collection of information for targeted advertising purposes from children under 13, including by prohibiting children under 13 from creating a user profile on the Website, and by prohibiting any use of the Website by children under 13 under in this policy.

To learn about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative’s (NAI’s) online resources, at http://www.networkadvertising.org/choices, and/or the Digital Advertising Alliance’s (DAA) resources at http://www.aboutads.info/choices. You may also be able to limit interest-based advertising through the settings on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest-based ads” (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting http://youradchoices.com/appchoices and downloading the mobile AppChoices app.

Please note that opting-out of receiving interest-based advertising through the NAI’s and DAA’s online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the Personal Information you provide to us. We have created mechanisms to provide you with the following control over your information:

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent.  If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

We do not control third parties’ collection or use of your information to serve interest-based advertising, which you might access by clicking on external links included within our site.  However, these third parties may provide you with ways to choose not to have your information used in this way.  As more fully described above, you can opt out of receiving targeted ads from members of the NAI on the NAI’s website, and additional resources are available through DAA.

Accessing and Correcting Your Information

You can review and change your Personal Information by logging into the Website and visiting your account profile page.

You may also send us an email at webmaster@asa.org to request access to, correct, or delete any Personal Information that you have provided to us.  We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Data Security

We have implemented industry-standard security technologies, procedures, and organizational measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security.  You may report unauthorized access by sending an email to webmaster@asa.org.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Website. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our Privacy Policy on this page with a notice that this Privacy Policy has been updated on the Website home page.  If we make material changes to how we treat our users’ Personal Information, we will notify you by email to the email address specified in your account. The date this Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.

Contact Information

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at: webmaster@asa.org

To register a complaint or concern, please email webmaster@asa.org.

Terms of Use

Acceptance of These Terms of Use

Last Modified: March 30, 2020

American Student Assistance® (“ASA,” “we,” or “us”) has a core mission of setting students on the path to lead happy and successful lives. To that end, we are committed to helping kids know themselves, know their options, and make informed choices to achieve their education and career goals. ASA provides compelling, original resources and programming on www.asa.org (“Website”). In addition, we may offer services offline, such as by phone and through print mail.

American Student Assistance is the doing-business-as (dba) name of Massachusetts Higher Education Assistance Corporation, located at 33 Arch Street, Suite 2100, Boston, MA 02110. These Terms of Use, along with any documents they expressly incorporate by reference (collectively, “Terms of Use”), govern your access to and use of www.asa.org, including any of its content, functionality, and services (the “Website”), whether as a guest or a registered user (each: “you”). If you do not want to agree to these Terms of Use, you must not access or use the Website.

All personal information we may collect on this Website is subject to our Privacy Policy, which follows these Terms of use. By using the Website, you consent to all actions taken by us with respect to your personal information consistent with the Privacy Policy.

This Website is offered and available only to users 13 years of age or older. If you are the parent or legal guardian of a user under 18 years of age, you agree to these Terms of Use on your own and your child’s behalf. Our Website utilizes YouTube API Services and links to YouTube videos.  By using the Website, you are also bound by YouTube’s Terms of Service, available at https://www.youtube.com/t/terms.

These Terms of Use are effective from the first moment you access the Website and will remain effective thereafter in perpetuity, unless terminated earlier as provided hereinafter.

No Use or Access by Users Not Located in the United States

Our Website is based in the Commonwealth of Massachusetts in the United States and is strictly intended for and targeted to United States-based users.  If you are not in the United States or any of its territories, YOU MAY NOT ACCESS OR USE THIS WEBSITE. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. The Website may not comply with laws of certain countries; if you are not in the United States, your access to the Website may not be legal. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

Changes to These Terms of Use

We may change or update these Terms of Use from time to time. All changes are effective immediately when we post them and apply to all of your access to and use of the Website thereafter. If you continue to use the Website after we post the changed or updated Terms, it means that you accept and agree to the changes. The date these Terms of Use were last revised is identified at the top of the page.

Accessing the Website

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion and without notice to you. We will not be legally responsible if all or any part of the Website becomes unavailable for any reason, at any time, or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to all users or particular users. You are responsible for both:

  • Making all arrangements necessary for you to have access to the Website.
  • Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.


The ASA name, the terms ASA FUTURESCAPE™, the ASA logo, including the stylized delta-a, and all related names, logos, product and service names, designs, and slogans are trademarks of ASA, its affiliates, or licensors. You must not use such marks without the prior written permission of ASA. All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. All rights reserved.

Intellectual Property Rights

This  Website and its entire contents, features, and functionality are owned by ASA, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print or download one copy of a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
  • If we provide social media features with certain content, you may take such actions as are enabled by such features.

You must not:

  • Modify or change copies of any materials from this site.
  • Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

If you wish to make any use of material on the Website other than as described in this section, please contact us at: webmaster@asa.org.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of these Terms of Use, we will suspend your right to use the Website immediately and you must, at our option, return or destroy any copies of the materials you have made. You do not acquire any ownership interest, right, or title in or to the Website or any of its contents.  All rights not expressly granted to you in these Terms of Use are reserved by ASA. If you use the Website in a way not expressly permitted by these Terms of Use, it is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
  • For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
  • To send, knowingly receive, upload, download, use, or re-use any material that does not comply with the Content Standards set forth above.
  • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
  • To impersonate or attempt to impersonate ASA, an ASA employee, another user, or any other person or entity (including, without limitation, by using e-mail addresses or screen names associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm ASA or users of the Website, or expose them to liability.
  • Additionally, you agree not to:
  • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
  • Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.
  • Use any device, software, or routine that interferes with the proper working of the Website.
  • Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the Website.

Links to and from the Website; Social Media Features

You may link to our homepage, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, or endorsement on our part without our express written consent.

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

This Website may provide certain social media features that enable you to:

  • Link from your own or certain third-party websites to certain content on this Website.
  • Send e-mails or other communications with certain content, or links to certain content, on this Website.
  • Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.

You may use these features solely as they are provided by us, including with any citations or credits to third party sources, solely with respect to the content they are displayed with, and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:

  • Establish a link from any website that is not owned by you.
  • Cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site.
  • Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.

The website from which you are linking, or on which you make certain content accessible, must not:

  • Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
  • Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
  • Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
  • Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy.
  • Be likely to deceive any person.
  • Promote any illegal activity, or advocate, promote, or assist any unlawful act.
  • Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
  • Impersonate any person or misrepresent your identity or affiliation with any person or organization.
  • Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising.
  • Give the impression that they emanate from or are endorsed by ASA or any other person or entity if this is not the case.

You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

We may disable all or any social media features and any links at any time without notice in our discretion.

Disclaimer of Warranties



Limitation on Liability




You agree, to the extent permissible under your state’s laws, to indemnify and hold harmless ASA, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns  from and against all losses, damages, liabilities, demands, judgments, settlements, costs and expenses of any kind (including legal fees and expenses), from any claim or demand made by any third-party relating to or arising out of (i) your access to, use, or misuse of the Website; (ii) your breach, alleged breach, or violation of these Terms; (iii) your failure to comply with Applicable Laws (including any failure to obtain or provide any necessary consent or notice); (iv) the infringement by you or any third-party using your account of any intellectual property, privacy, or other right of any person or entity, including in connection with your User Contributions.

Governing Law and Jurisdiction

All matters, disputes, or claims relating to the Website and these Terms of Use shall be governed by and construed in accordance with the internal laws of the Commonwealth of Massachusetts without giving effect to any choice or conflict of law provision or rule, whether of the Commonwealth of Massachusetts or any other jurisdiction.

You agree to bring any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website in the federal and state courts located in Suffolk County of the Commonwealth of Massachusetts.  We retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your state of residence or any other relevant state. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Waiver and Severability

No waiver by ASA of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition, or a waiver of any other term or condition, and any failure of ASA to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms of Use will continue in full force and effect.

Entire Agreement

These Terms of Use and Privacy Policy constitute the sole and entire agreement between you and Massachusetts Higher Education Assistance Corporation, d/b/a American Student Assistance with respect to the Website and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website.

Copyright Infringement

ASA takes copyright infringement seriously and complies with the Digital Millennium Copyright Act (DMCA).  If you believe that any User Contributions or other material violates your copyright, please notify us at webmaster@asa.org, and submit a notice to our authorized copyright agent, who will accept and review all claims submitted to it. The notice must, by law (17 U.S.C.A. § 512(c)(3)) contain the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.
  • Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.
  • A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized.

Please submit your notice to:

J. Christopher Sheehan
33 Arch Street
Suite 2100
Boston, MA 02110

Upon receiving information that material may be infringing, we will expeditiously take down such content.  Upon receiving a DMCA takedown notice from the United States Copyright Office.

It is our policy to terminate access to the website or the user accounts of repeat or intentional infringers.

Your Comments and Concerns

This website is operated by Massachusetts Higher Education Assistance Corporation, d/b/a American Student Assistance, 33 Arch Street, Suite 2100, Boston, Massachusetts 02460.

All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: webmaster@asa.org.

Our website uses cookies which are necessary for our website to work properly. Please review our Privacy Policy for more information.