Student Loan Payment Jobs in Remote
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Looking for Student Loan Payment jobs in Remote? Browse our curated listings with transparent salary information to find the perfect Student Loan Payment position in the Remote area.
Accounts Receivable Specialist
Company: LTK
Location: Remote
Posted Apr 24, 2024
LTK is seeking an experienced Accounts Receivable Specialist for a remote position. The role involves managing the entire accounts receivable cycle, including reviewing contracts, invoicing, cash application, and collections. The ideal candidate should have at least 3 years of experience, excellent communication skills, and familiarity with Hubspot, Netsuite, and G Suite. LTK offers a competitive compensation package, flexible PTO, and the opportunity to work with a leading global company in creator commerce.
Associate Sales Director - Strategic Partnership Sales
Company: Nomi Health
Location: Remote
Posted Apr 24, 2024
Nomi Health is a direct healthcare company that aims to rebuild the healthcare system by cutting costs, confusion, and complexity. They offer innovative data engine and Artemis Platform to empower health plans, employers, and their advisors to reduce spend, improve quality, and drive outcomes for members.
Technical Recruiter
Company: Chameleon Consulting Group LLC
Location: Remote
Posted Apr 24, 2024
The job posting is for a Talent Acquisition position at a technology company that supports government customers. The company is looking for a candidate to facilitate the hiring process for engineers and operators. The job requires experience in recruiting, a strong attention to detail, and the ability to work with technical directors.
Post Production Consultant
Company: Flywire
Location: Remote
Posted Apr 24, 2024
Flywire, a global payments enablement and software company, is seeking an experienced Post Production Consultant. The role involves configuring and testing client environments, partnering with product and engineering teams, and producing technical product documentation. The ideal candidate should have 4+ years of experience in technical software or professional services, experience with Higher Education ERPs, and quality assurance experience. The company offers competitive compensation, employee stock purchase plan, and various wellbeing programs.
Staff Accountant
Company: Indagare
Location: Remote
Posted Apr 24, 2024
<p><strong>Overview<strong><p> <p>Indagare is seeking a highly motivated organized and proactive individual to join our Finance team As Staff Accountant you will provide broad support across various functions including accounts receivable accounts payable and general accounting<p> <p>You would be an ideal candidate for this position if you have a passion for travel an upbeat cando attitude possess strong organizational and communication skills and are detailoriented We are looking for someone who is truly excited to take ownership of the position and its growth potential<p> <p>This role is remote<p> <p><br ><p><p><strong>What Youll Do<strong><p> <p>The Staff Accountant will be cross trained in all areas of the Finance department to provide broad support and become an integral member of the team<p> <p>There is potential to further carve out and refine your own role beyond the scope duties and responsibilities listed below Areas included but are not limited to<p> <ul><li>Accounts Receivable<li> <ul><li>Create and send invoices to hotels to collect commission payments<li> <li>Create and send invoices to advertisers and sponsors for our business development team<li> <li>Apply incoming payments coming into our Operating and Escrow bank accounts<li> <li>Assist in researching outstanding balances to support Booking and Finance staff in collections<li> <ul><ul><ul><li>Accounts Payable<li> <ul><li>Manage incoming vendor bills through the approval process and enter approved bills into NetSuite<li> <li>Proactively communicate with vendors where needed to obtain bills and reconcile accounts<li> <li>Enter approved bills in the bank to be paid<li> <li>Review submitted trip supplier payment requests and enter them into the bank for payment<li> <li>Review Employee expense report submissions and communicate with staff to ensure compliance with policies and SOPs<li> <ul><ul><ul><li>General Accounting<li> <ul><li>Monthly trip reconciliation including hotel touring and Journeys<li> <li>Bank Reconciliations<li> <li>Review weekly membership refunds<li> <li>Support the monthend close process including variance analysis<li> <li>Prepare journal entries balance sheet reconciliations and maintain all relevant supporting schedules<li> <li>Assist in developing processes and workflows to improve existing processes and support<li> <li>Manage adhoc projects as assigned by the Senior Director Accounting or CFO<li> <ul><ul><p><br ><p><p><strong>What Youll Bring<strong><p> <ul><li>Bachelors degree in accounting<li> <li>Relevant GAAP accounting experience<li> <li>Working knowledge of GL including journal entries<li> <li>Understanding of accrual accounting<li> <li>Familiarity with accounting software experience with NetSuite a plus<li> <ul><p><br ><p><p><strong>About You<strong><p> <ul><li>Strong planning and organizational skills to balance and prioritize workload<li> <li>Strong proactive communication skills<li> <li>Resultsoriented with an ability to multitask effectively<li> <li>Proven ability to work in a fastpaced dynamic environment<li> <li>Team player capable of working crossfunctionally<li> <ul><p><br ><p><p><strong>About Indagare<strong><p> <p>Indagare is a luxury membershipbased travel company with robust online editorial content and a boutique inhouse travel agency We are a dynamic entrepreneurial highperformance company and have been named to the Inc 5000 list of the fastest growing private companies in the US Our mission at Indagare is to inspire and empower people to change their lives through travel<p> <p><br ><p><p><strong>Why You Should Join<strong><p> <p>The Indagare team is the heart and soul of our company We are committed to a culture that values a generosity of spirit and believes deeply in the power of being kind to ourselves our colleagues our suppliers and our clients We believe that travel broadens the mind and enriches the soul<p> <p>At Indagare we care about our team members Thats why as part of our total rewards package we offer competitive compensation and a comprehensive benefits package Our benefits offerings include medical dental and vision coverage Flexible Spending Accounts life insurance and disability coverage a retirementsavings plan and paid time off unlimited vacation holidays and sick days<p> <p>Indagare Travel is an equal opportunity employer This means we affirmatively prohibit discrimination and harassment of any type and we ensure that equal employment opportunities are afforded to all applicants and employees alike without regard to race color religion sex including pregnancy gender national origin sexual orientation domestic partnership statuscivil union status marital status age disability genetic information veteran status lawful use of any product when not at work observance of Sabbath political activities domestic violence victim status criminal accusation use of service dog or any other protected class<p> <p>Indagare Travel is committed to conforming to not just the letter but also the spirit of all applicable laws and regulations regarding equal employment for all Our policy of equal employment opportunity and antidiscrimination applies to all aspects of the relationship between Indagare Travel and its applicants and employees<p>
Sr. Data Analyst II, Fraud & Identity
Company: Instacart
Location: Remote
Posted Apr 24, 2024
Instacart is seeking a Sr. Data Analyst II to join their Fraud & Identity Ops team. The role involves leveraging deep analytics skills and business acumen to identify and visualize opportunities across all areas of Fraud, driving improvements across various company segments. The ideal candidate will possess excellent time-management skills, effective communication abilities, and a passion for continuous improvement, data integrity, and scalable solutions. The role requires a minimum of 8-10 years in analytics, business intelligence, or related fields, with experience in SQL, R, Python, and analytical visualization tools. Strong verbal and written communication skills, teamwork abilities, and a strategic mindset are essential. The position offers competitive compensation and benefits, with a base pay range depending on the candidate's permanent work location.
Account Executive (REMOTE)
Company: Backflip
Location: Remote
Posted Apr 24, 2024
<p>Come help us change residential real estate investing for the better<p> <p><br ><p> <p><b>Backflip<b> is a venturebacked FinTech company that empowers anyone to improve their life and their neighborhood through real estate investing To do that we need people who are inspired to reimagine and rebuild an outdated and unbalanced system to support and celebrate Americas local entrepreneurs our Members<p> <p><br ><p> <p><b>Backflip<b> is seeking a lending<b> Account Executive<b> with strong sales and customer success skills to grow Backflips financing business This team member will drive new users to Backflips free property analysis app work with them through loan closing and retain them as a valued repeat borrowers This person ideally brings sales experience and has already developed a substantial client base They will report to the Head of Sales<p> <p><br ><p> <p>This is a rare opportunity to get in on the ground floor ~50 person team working directly with executives in a fastpaced and wellcapitalized startup Series A<p> <p><br ><p> <p>All Backflip positions are remote US based Like the people we serve we believe being free to create wherever youre most inspired is one of lifes greatest joys Its better for individuals for the community and for fostering great work to emerge With our workfromanywhere approach Backflip brings together a diverse team of individuals with passions for innovation art coding AI data finance film real estate the environment learning and teaching Together were moving fast<p> <p><br ><p> <p>This candidate will champion Backflips culture amp core values<p> <p>Raise the standard of what is possible<p> <p>Embrace being the novice to become the master<p> <p>Work only with those who want the best for us<p> <p>Communicate quickly naturally and with radical candor<p> <p>Test new things to invent and challenge the status quo<p> <p>Today nay now<p> <p><b>What Youll Do<b> <p><ul><li>Procure highquality SFR real estate investors for Backflips investment financing products <li> <li>Introduce known and new RE investors to Backflips mobile app and community<li> <li>Drive new users to Backflips app via online outreach events and managing referral partners top of funnel<li> <li>Nurture customer leads once on Backflips app to drive loan applications midfunnel<li> <li>Consult with potential borrowers and ultimately drive loan originations bottomfunnel<li> <li>Comfortable with repetitive highquantities of all major communication forms in person phone email text<li> <li>Maintain high standards for detailed and complete data entry in Backflips CRM Hubspot<li> <li>Meet amp exceed a personal sales quota<li> <li>Advise customers on real estate investment capitalization operations and monetization strategies<li> <li>Help to answer customers questions of any kind both digital and real world<li> <li>Contribute to strategy as Backflip grows and the role evolves help uplevel overall company revenue production<li> <li>Represent Backflip at community real estate related events<li> <li>Will require some travel<li> <p><i>This role will evolve as the company grows there will be various tasks that fall outside of the responsibilities above <i><p> <ul><p><b>Qualifications<b> <p><ul><li>3+ years of experience in sales lending or real estate working with single family investors<li> <li>Highlevel understanding and ability to communicate business finance and lending concepts<li> <li>Ability to stay organized and manage your own robust and growing book of business<li> <li>Existing relationships with RE investors a plus<li> <li>Comfortable representing Backflip at events and conferences<li> <li>Comfortable managing referral partner relationships<li> <li>Adept with CRM and sales tech in general<li> <li>Comfortable in a small relatively unstructured office environment we are 100 remote<li> <li>Selfdirected hungry coachable and highly collaborative<li> <li>Extremely high integrity dependability accountability and respect<li> <li>Possesses an entrepreneurial drive and will champion Backflips culture amp Core Values<li> <li>This is a career role we want you to grow with Backflip and we work with those that want the best for us<li> <ul><p> <p><p><span>Backflip is an equal opportunity employer We know that building a worldclass organization is not possible without an intentional focus on recruiting empowering promoting and rewarding the best and brightest people of all backgrounds Backflip focuses on hiring individuals that align with its Core Values listed above and consistently display a high ethical standard both personally and professionally<span><p> <p><p>
Senior Software Engineer II
Company: Flywire
Location: Remote
Posted Apr 24, 2024
Flywire, a global payments enablement and software company, is seeking an experienced Sr. Software Engineer II with a FinTech background. The ideal candidate will be responsible for building and maintaining the platform that supports the company's industry-leading payment engine. They will work on designing new functionalities, improving current capabilities, and ensuring high-quality code. The role involves collaborating with cross-functional teams, driving change, and mentoring team members. Qualifications include 8+ years of experience in Java, experience in designing scalable web applications, proficiency in TDD and BDD, understanding of relational databases, and strong communication skills.
MTSS Implementation Manager
Company: Renaissance
Location: Remote
Posted Apr 24, 2024
<p><b>Company Description<b> <p><p>When you join Renaissance® you join a global leader in preK12 education technology Renaissances solutions help educators analyze customize and plan personalized learning paths for students allowing time for what matterscreating energizing learning experiences in the classroom Our fiercely passionate employees and educational partners have helped drive phenomenal student growth with Renaissance solutions being used in over onethird of US schools and in more than 100 countries worldwide <p> <p>Every day we are connected to our mission by exemplifying our values trust each other win together strive for the best own our actions and grow and evolve <p> <p><b>Job Description<b> <p><p>This position is responsible for the daily support program management and communication related to implementation of eduCLIMBER in K12 school districts across the US The MTSS Implementation Manager will coordinate communication between Renaissance data services engineers and district counterparts support the district in establishing implementation goals aligning product value proposition to district initiatives and provide ongoing updates on schedule progress and implementation landmarks The MTSS IM will partner with internal Renaissance teams to ensure coordination of training initial launch activities and ongoing data needs<p> <p>Key Responsibilities<p> <ul><li>Manages implementation of eduCLIMBER for K12 districts<li> <li>Develops communicates and coordinates the implementation plan deliverables and shared responsibilities across Renaissance and district personnel<li> <li>Works with the MTSS data services leaders to ensure timely execution of integration activities<li> <li>Collaborates with district leaders to establish implementation plans and program critical metrics<li> <li>Facilitates weekly checkins and meetings with district staff<li> <li>Provides subject matter expertise for eduCLIMBER functionality and implementation standard processes<li> <li>Writes prepares reports or presentations pertaining to the eduCLIMBER implementation<li> <ul><p><b>Qualifications<b> <p><ul><li>Bachelors degree and 3 years+ of demonstrated experience at the school district state or regional level using data to result in targeted outcomes for staff and students<li> <li>Minimum 1 year of experience implementing or coaching MultiTiered System of Supports MTSS<li> <li>1+ years of data configuration experience or other technical implementation experience<li> <li>Education or work experience in data collection analysis or use in problem solving<li> <li>Demonstrated successful ability to manage multiple projects simultaneously to prioritize tasks and meet timelines<li> <li>Ability to develop and maintain positive relationships with colleagues and a variety of partners including school district and educational service district staff researchers andor district and state policymakers<li> <ul><p><b>Additional Information<b> <p><p><strong>Salary Range $85000$102000<strong><p> <p>This range is based on national market data and may vary by experience and location<p> <p>All your information will be kept confidential according to EEO guidelines<p> <p><br ><br ><br ><br ><br ><br ><br ><br ><p><p><p> <p><strong>Benefits for eligible employees include<strong><p> <ul><li>World Class Health Benefits Medical Prescription Dental Vision Telehealth<li> <li>Health Savings and Flexible Spending Accounts<li> <li>401k and Roth 401k with company match<li> <li>Paid Vacation and Sick Time Off<li> <li>12 Paid Holidays<li> <li>Parental Leave 20 total weeks with 14 weeks paid amp Milk Stork program<li> <li>Tuition Reimbursement<li> <li>Life amp Disability Insurance<li> <li>Wellbeing and Employee Assistance Programs<li> <ul><p>Frequently cited statistics show that some women underrepresented individuals protected veterans and individuals with disabilities may only apply to roles if they meet 100 of the qualifications At Renaissance we encourage all applications Roles evolve over time especially with innovation and you may be just the person we need for the future<p> <p>EQUAL OPPORTUNITY EMPLOYER<p> <p>Renaissance is an equal opportunity employer and does not discriminate with respect to any term condition or privilege of employment based on race color religion sex sexual orientation gender identity or expression age disability military or veteran status marital status or status of an individual in any group or class protected by applicable federal state or local law<p> <p>REASONABLE ACCOMMODATIONS<p> <p>Renaissance also provides reasonable accommodations for qualified individuals with disabilities in accordance with the Americans with Disabilities Act and applicable state and local laws If accommodation is needed to participate in the job application or interview process please contact Talent Acquisition<p> <p>EMPLOYMENT AUTHORIZATION<p> <p>Applicants must be authorized to work for any employer in the United States We are unable to sponsor or take over sponsorship of an employment Visa at this time<p> <p><br ><p><p>For information about Renaissance visit httpswwwrenaissancecom<p>
Manager, FP&A
Company: Paytient
Location: Remote
Posted Apr 24, 2024
<div> <p><strong>About Paytient<strong><br >Were on a mission to help people better access and afford care <p> <p>Every day millions of people and their loved ones need to see a doctor For most of us that moment is an uncertain one were unsure of whats wrong who to go to how long itll take to be seen when well feel better and what itll cost<p> <p>Paytient partners with thoughtful employers and health plans who understand the impact of that moment and want to ensure that every one of their plan members are easily able to access and afford care Our clients understand that an improved ability to selfpay for care changes patient behavior and creates value for the health plan This founding belief is becoming an emerging standard of care in health plan design and is now in fact a mandatory capability in some governmental health plans Founded in 2018 Paytient is now part of nearly 2000 employer health plans and providing certainty that people are better able to access and afford care<p> <div> <div dataqa=messagetext> <div dataqa=blockkitrenderer> <div> <div> <p>Were looking for passionate collaborative builders to join our team and help us create a future where everyone can more easily access and afford care <p> <div> <div> <div> <div> <div> <div> <p><strong>About The Role <strong><p> <p>Paytient is searching for an experienced Financial Planning amp Analysis FPampA Manager In this role you will oversee and manage all aspects of forecasting and financial modeling annual budget planning regular budget analysis and reporting Our ideal candidate is proactive and collaborative in the financial planning processes and can confidently present results to stakeholders across the organization<p> <p>Our remote with roots model allows us to work where we thrive and gather as needed often in our home office in Columbia Missouri This role can be performed from anywhere in the continental US with the exception of Montana<span> <span><p> <p><strong>What Youll Do <strong><p> <ul><li>Partner and support stakeholders and executive leaders with annual budget planning regular budget analysis financial modeling and support with expense management and headcount planning<li> <li>Provide budget variance reconciliations and track key operational and financial metrics creating and implementing recommendations with respective stakeholders<li> <li>Drive growth and operational improvements across the company identifying opportunities for improvement and efficiency<li> <li>Partner with People Operations on headcount and compensation planning processes<li> <li>Maintain the operating model for the business and provide revenue expense and balance sheet projections<li> <li>Perform advanced excel analytics and reporting on financial and business metrics<li> <li>Design business analysis and data recording systems for use throughout the company<li> <li>Maintain analytical files and perform updates as necessary to ensure accuracy and relevance<li> <li>Track data to identify changes in financial and business trends<li> <ul><p><strong>What Youll Bring <strong><p> <ul><li>Bachelors degree in Finance Economics or other quantitative field<li> <li>5+ years of experience in FPampA <li> <li>Experience with complex financial forecasting preferably at a startup<li> <li>Expert in Microsoft Excel<li> <li>Analytical skills that allow for the development of datadriven reports<li> <li>Demonstrated ability to manage time and prioritize projects to meet deadlines<li> <li>Strong written and verbal communication skills to effectively relate data to coworkers<li> <li>Excellent critical thinking skills to help solve business problems and make decisions<li> <li>Strong focus on attention to details that could impact results<li> <li>General knowledge of accounting business operations objectives strategies processes and information flow<li> <ul><div> <p><strong>Benefits We Offer <strong><p> <ul><li datastringifyindent=0 datastringifyborder=0>Medical dental and vision insurance<li> <li datastringifyindent=0 datastringifyborder=0>$4150 annual HSA contribution<li> <li datastringifyindent=0 datastringifyborder=0>Paytient Health Payment Account HPA<li> <li datastringifyindent=0 datastringifyborder=0>Monthly lifestyle spending stipend<li> <li datastringifyindent=0 datastringifyborder=0>33 days of annual PTO<li> <li datastringifyindent=0 datastringifyborder=0>401k plan access with a 4 employer match<li> <li datastringifyindent=0 datastringifyborder=0>16 weeks of fullypaid parental leave<li> <li datastringifyindent=0 datastringifyborder=0>Stock options in Paytient<li> <li datastringifyindent=0 datastringifyborder=0>and more<li> <ul><p><em>Paytient is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race color religion age sex national origin disability status genetics protected veteran status sexual orientation gender identity or expression or any other characteristic protected by federal state or local laws<em><p> <div>
Operations Support Associate - End User Support (Remote)
Company: dLocal
Location: Remote
Posted Apr 24, 2024
dLocal is a company that enables global brands to collect payments in emerging markets. They are looking for an End User Support Associate to join their Operations Support team, providing customer service via phone and email, and troubleshooting problems.
Level 2 Support Analyst
Company: Xplor Technologies
Location: Remote
Posted Apr 24, 2024
<p><b>Company Description<b> <p><p>Take a seat on the Xplor rocketship and join us as Level 2 Support Analyst in Vancouver to help people succeed across the world<p> <p>From dropping your kids off at childcare getting something at home repaired going to the gym or a fitness studio to picking up your dry cleaning our software payments and commerceenabling solutions help everyday life businesses to overcome obstacles and form great relationships with their customers<br ><p> <ul><ul><p><b>Job Description<b> <p><p><strong>About the opportunity<strong><p> <p>Youll join Xplor Health amp Fitness and our Recreation Customer Support team the team that provides support and expertise to health clubs gyms community centres as well as the leisure parks and recreation industry Whether small and independent or large franchises we build everything they need to run their business motivate their customers and build lasting fitness communities<p> <p>Reporting into the Customer Support Manager youll help us provide best in class service to our customers Some of the other responsibilities youll have<p> <ul><li>Develop a deep understanding of the Xplor Recreation software to help remove barriers for our clients<li> <li>Partner with clients to effectively resolve issues through phone chat email and our online case portal<li> <li>Communicate thoughtful empathetic and complete resolutions tailored to our clients issues<li> <li>Work crossfunctionally with other support team members and our product and engineering teams<li> <li>Manage tickets and resolveescalate within our Service Level Agreement<li> <li>Product support for both software and hardware usage assistance<li> <ul><p><b>Qualifications<b> <p><p><strong>What would make me a good candidate<strong><p> <ul><li>3 years providing contact center support<li> <li>Experience utilizing call management and ticketing systems<li> <li>Understanding of various Microsoft Windows Operating systems LANWAN Networking firewall exceptions and whitelisting IP addresses<li> <li>Understanding of bookingpurchasing using mobile devices such as AndroidIOS Tablets and Smartphones<li> <li>Exhibit above average reasoning ability by clearly defining problems analyzing data establishing facts drawing valid conclusions and appropriate resolutions<li> <li>Possesses strong customer relation skills<li> <li>Strong problemsolving analytical followup skills and detail oriented<li> <li>Ability to demonstrate a working understanding or fundamental knowledge of retail POS technology<li> <li>Proactive selfmotivated learner with a strong drive to achieve personal goals<li> <li>Ability to work in a team where you manage your own time and priorities<li> <li>Motivated by a fast paced environment where you will have to constantly adapt no two days are the same<li> <li>Youre a true team player who knows that we all have to sometimes roll up our sleeves<li> <li>You align with our four core values and youre simply a good human<li> <li>Must be available to work 830am 5pm PST<li> <li>The average base salary pay range for this position is $56000 to $62000<li> <li>May be eligible for a discretionary bonus<li> <ul><p><br ><p><ul><ul><p><b>Additional Information<b> <p><p><strong>More about us<strong><p> <p>Weve recently expanded our reach by merging the two software and payments powerhouses TSG and Clearent The resulting company is Xplor Technologies serving over 82000 businesses that processed over $27 billion in payments operating across 158 countries in 2020 <p> <p>Xplor is headquartered in the United States in Atlanta GA with operations across North America Australasia Europe and the United Kingdom We now have over 2000 Xplorers working across five everyday life verticals Education Health and Fitness Boutique Wellness Field Services and Personal Services<p> <p><strong>How to apply<strong><p> <p>To start your application with us please submit your CV and a cover letter and well be in touch as soon as we can Please include the word moonshot at the top of your cover letter so that we know you really took the time to read our job ad<p> <p><br ><br ><p><p><p> <p>We understand that diverse candidates have diverse needs We welcome you to inform us of any additional needs related to completing your job application or participating in the interview process via talentxplortechnologiescom <p> <p><strong>More about us<strong> <p> <p>Xplor Technologies is a global platform integrating SaaS solutions embedded payments and Commerce Accelerating Technologies to help businesses succeed Xplor provides enterprisegrade SaaS solutions for businesses in everyday life verticals Childcare amp Education Fitness amp Wellbeing Field Services and Personal Services and a global cloudbased payment processing platform<p> <p>Xplor Technologies serves over 78000 customers that processed over $36 billion in payments operating across 20 markets in 2022 <p> <p><strong>Good to know<strong><p> <p>To be considered for employment you must be legally authorized to work in the location country youre applying for Xplor does not sponsor visas either at the time of hire or at any later time <p> <p>We kindly ask you to apply through our careers portal or external job boards <u>only<u> Please dont send your application via email <p> <p>To learn more about us and our products please visit wwwxplortechnologiescomuscareers <p> <p>We also invite you to check out our Candidate FAQs for more information about our recruitment process wwwxplortechnologiescomusrecruitmentfaqs<p> <p>Xplor is proud to be an Equal Employment Opportunity employer Were dedicated to attracting retaining and developing our people regardless of gender identity ethnicity sexual orientation disability and age Applications are encouraged from all sectors of the community<p> <p>We are a 2024 Circle Back Initiative Employer we commit to respond to every applicant<p>