School Management and Record Tracking Inc. (SMART) is one of the leaders in online school management and record tracking software systems. Based in Phoenix, Ariz., the company offers a variety of third party servicing in numerous areas, such as verification, refund processing, Federal direct loan processing and monthly account reconciliations. It also offers full consulting services in various areas, including change of name/location, program review assistance, financial aid training, change of ownership, review of catalogs, policies and procedures.