Tim Fitzgibbon is a 30-year veteran of the higher education financing industry. Currently, Tim is a senior vice president at First National Bank in West Des Moines, Iowa, where he serves as a business development officer. Previously, he served as senior vice president for the National Council of Higher Education Resources (NCHER), where he worked for 11 ½ years. He was staff liaison to the Debt Management and Private Education Loan Committees as well as the CFO and Collection Agency Caucuses. He led NCHER’s financial literacy, default aversion and debt management efforts, and worked with Congress and U.S. Department of Education officials to coordinate and improve national default prevention and collection efforts. Prior to joining NCHER, Tim served 15 years as director of the Guaranteed Student Loan Program for the state of Iowa. He is a graduate of Iowa State University with degrees in business management and political science.