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Bob Collins

Bob Collins

Vice President, Financial Aid | Western Governors University

Salt Lake City, Utah, United States

Bob Collins serves as Vice President of Financial Aid at Western Governors University.

Areas of Expertise: 

Student Financial Aid, Financial Literacy, Responsible Borrowing, Student Debt, Leadership, and Higher Education


University of Phoenix: M.A., Public Administration  2012

University of Colorado Denver: B.A., Business Administration and Management  1983

Niagara University: General, Business Administration and Management  1980

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Bob Collins is a career financial aid administrator who believes that paying for college should be simpler for students. In the past 10 years at Western Governors University, he has led its Responsible Borrowing Initiatives program which encourages students to borrow only what they need, resulting in students graduating with half the debt as the national average. 


National Association of Student Financial Aid Administrators Forward 50

Rocky Mountain Association of Student Financial Aid Administrators

Selected media appearances and articles.

How to Pay for College Using Overlooked Strategies

U.S. News & World Report, May 25, 2022

Paying for college is no small feat: Annual tuition and fees at ranked four-year colleges for 2021-2022 ranged from about $10,300 for in-state public schools to about $38,200 for private institutions, according to U.S. News data.


2021 NASFAA Gold Star Award Winner Western Governors University Preaches Responsible Borrowing – and Students Listen

National Association of Student Aid Administrators, Aug. 6, 2021

Too often, borrowers are saddled with burdensome student loan debts and leave school unable to make payments on loan amounts they probably shouldn't have even taken out in the first place.


Competency-Based Learning Offers Opportunities for Higher Earnings with Less Student Loan Debt, June 11, 2021

In early 2020, shortly after students had arrived on college campuses for the spring semester, they had to vacate classrooms, libraries, and dormitories. That’s because the COVID-19 pandemic brought higher education to a grinding halt in a way few disasters could.

Real Help For Student Loan Borrowers (Outside Of Praying For Loan Forgiveness)

Forbes, April 2, 2021

There have been plenty of rumors regarding federal student loan forgiveness, as well as several different plans that could bring this type of plan to fruition — at least for some. 



How to Go to College for Free (or Pretty Close to It)

Money, Dec. 31, 2020

Facing economic instability and comparatively high unemployment, millions of Americans are considering their career plans from a fresh lens, including the possibility of starting or continuing college.



NASFAA Gold Star Award 
WGU's Responsible Borrowing Initiatives (RBI) program recognized for successfully lowering debt for students.

WCET Outstanding Work (WOW Award)
WGU's Responsible Borrowing Initiatives (RBI) program recognized for “implementing exceptionally creative, technology-based solutions to contemporary challenges in higher education.”

AAUA Exemplary Models Award
WGU's Responsible Borrowing Initiatives (RBI) program recognized for providing “an excellent solution to a common problem in higher education.”