Document:

<PAGE>

                                                                   Exhibit 10.21

  FIRST AMENDMENT AND WAIVER, dated as of April 21, 1998 (this "Amendment"),
                                    to the

Credit Agreement, dated as of November 13, 1997 (as amended by this Amendment,
and as the same may be further amended, supplemented or otherwise modified from
time to time, the "Credit Agreement"), among ASI SOLUTIONS INCORPORATED, a
Delaware corporation ("ASI"), MCLAGAN PARTNERS, INC. ("McLagan Partners",
together with ASI, the "Borrowers"), the several banks and other financial
institutions from time to time parties thereto (collectively, the "Lenders"),
and THE CHASE MANHATTAN BANK, a New York banking corporation, as administrative
agent for the Lenders (in such capacity, the "Administrative Agent").

                             W I T N E S S E T H :
                             - - - - - - - - - -

          WHEREAS, the Borrowers, the Lenders and the Administrative Agent are
parties to the Credit Agreement; and

          WHEREAS, the Borrowers have requested that the Lenders (a) amend and
waive certain terms in the Credit Agreement and in the manner provided for
herein and (b) provide certain consents under the Intercreditor Agreement (as
defined in the Credit Agreement); and

          WHEREAS, the Administrative Agent and the Lenders are willing to agree
to the requested amendments, waivers and consents;

          NOW, THEREFORE, in consideration of the premises contained herein, the
parties hereto agree as follows:

          1.   Defined Terms.  Unless otherwise defined herein, terms which are
               -------------
defined in the Credit Agreement and used herein (and in the recitals hereto) as
defined terms are so used as so defined.

          2.   Amendment of Subsection 1.1.  Subsection 1.1 of the Credit
               ---------------------------
Agreement is hereby amended by adding the following proviso to the end of the
definition of "EBITDA" appearing in such subsection:

     "provided, that for the purposes of determining Consolidated EBITDA for the
      --------
     period of four fiscal quarters ending March 31, 1998 and June 30, 1998,
     Consolidated EBITDA (a) for the period of four fiscal quarters ending March
     31, 1998 shall be equal to (i) Consolidated EBITDA for the two fiscal
     quarters ended March 31, 1998 times (ii) 2 and (b) for the period of four
     fiscal quarters ending June 30, 1998 shall be equal to (i) Consolidated
     EBITDA for the three fiscal quarters ended June 30, 1998 times (ii) 4/3."

          3.   Amendment to Subsection 7.8.  Subsection 7.8 of the Credit
               ---------------------------
Agreement is hereby amended by deleting the number "$3,000,000" in clause (i)
thereof and substituting in lieu of such number "$3,500,000".

          4.   Waiver of Subsection 7.1.  Based upon the financial statements
               ------------------------
and related certificates previously delivered to the Lenders under subsections
6.1 and 6.2 of the Credit Agreement, the Lenders hereby waive any Default or
Event of Default (the "Waived Defaults") under subsection 7.1 of the Credit
Agreement with respect to the period ended December 31, 1997.
<PAGE>

                                                                               2

          5.   Consent under Section 2(b)(ii) of the Intercreditor Agreement.
               -------------------------------------------------------------
The Lenders hereby consent and agree that the occurrence of any Waived Default
shall not constitute a "Default" or "Event of Default" for purposes of Section
2(b)(ii) of the Intercreditor Agreement.

          6.   Representations and Warranties.  On and as of the date hereof,
               ------------------------------
the Borrowers hereby confirm, reaffirm and restate the representations and
warranties set forth in Section 4 of the Credit Agreement mutatis mutandis,
                                                          ------- --------
except to the extent that such representations and warranties expressly relate
to a specific earlier date in which case the Borrowers hereby confirm, reaffirm
and restate such representations and warranties as of such earlier date.

          7.   Effectiveness.  This Amendment shall become effective as of the
               -------------
date first written above upon receipt by the Administrative Agent of
counterparts of this Amendment duly executed by the Borrowers and the Required
Lenders.

          8.   Continuing Effect; No Other Amendments, Waivers or Consents.
               -----------------------------------------------------------
Except as expressly provided herein, all of the terms and provisions of the
Credit Agreement and Intercreditor Agreement are and shall remain in full force
and effect.  The amendment provided for herein is limited to the specific
subsection of the Credit Agreement specified herein and shall not constitute a
consent, waiver or amendment of, or an indication of the Administrative Agent's
or the Lenders' willingness to consent to any action requiring consent under any
other provisions of the Credit Agreement or the same subsection for any other
date or time period.  None of the consents and waivers provided for herein shall
be construed as a consent or waiver to any further or future action on the part
of ASI or its Subsidiaries that would require a consent or waiver of the
Administrative Agent and/or the Lenders.

          9.   Expenses.  The Borrowers agree to pay and reimburse the
               --------
Administrative Agent for all its reasonable costs and out-of-pocket expenses
incurred in connection with the preparation and delivery of this Amendment,
including, without limitation, the reasonable fees and disbursements of counsel
to the Administrative Agent.

          10.  Counterparts.  This Amendment may be executed in any number of
               ------------
counterparts by the parties hereto (including by facsimile transmission), each
of which counterparts when so executed shall be an original, but all the
counterparts shall together constitute one and the same instrument.

          11.  GOVERNING LAW.  THIS AMENDMENT SHALL BE GOVERNED BY, AND
               -------------
CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.
<PAGE>

                                                                               3

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed and delivered by their respective duly authorized officers as of the
date first above written.

                              ASI SOLUTIONS INCORPORATED

                              By: /s/ Michael J. Mele
                                  ---------------------------------
                               Title: Vice President

                              McLAGAN PARTNERS, INC.

                              By: /s/ Michael J. Mele
                                  ---------------------------------
                               Title: Treasurer

                              THE CHASE MANHATTAN BANK,
                               as Administrative Agent and as a Lender

                              By: /s/ Stephen Zajac
                                  ---------------------------------
                               Title: Vice President

                              STATE STREET BANK AND TRUST
                               COMPANY, as a Lender

                              By: /s/ John D. Gaziano
                                  ---------------------------------
                               Title: Vice President

                              EUROPEAN AMERICAN BANK, as a Lender

                              By: /s/ Anthony Tomich
                                  ---------------------------------
                               Title: Vice President

Consented To:
<PAGE>

                                                                               4

C3 SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer

ASSESSMENT SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer

PROUDFOOT REPORTS INCORPORATED

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer

T3 SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer

MCLAGAN PARTNERS INTERNATIONAL,

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer

MCLAGAN PARTNERS ASIA, INC.

By: /s/ Michael J. Mele
    --------------------------------
 Title: Treasurer<PAGE>
                                                                   Exhibit 10.22

    SECOND AMENDMENT, dated as of December 17, 1998 (this "Amendment"), to
                                  the Credit

Agreement, dated as of November 13, 1997 (as amended by the First Amendment and
Waiver thereto, dated as of April 21, 1998 and this Amendment, and as the same
may be further amended, supplemented or otherwise modified from time to time,
the "Credit Agreement"), among ASI SOLUTIONS INCORPORATED, a Delaware
corporation ("ASI"), MCLAGAN PARTNERS, INC. ("McLagan Partners", together with
ASI, the "Borrowers"), the several banks and other financial institutions from
time to time parties thereto (collectively, the "Lenders"), and THE CHASE
MANHATTAN BANK, a New York banking corporation, as administrative agent for the
Lenders (in such capacity, the "Administrative Agent").

                             W I T N E S S E T H :
                             - - - - - - - - - -

          WHEREAS, the Borrowers, the Lenders and the Administrative Agent are
parties to the Credit Agreement; and

          WHEREAS, the Borrowers have requested that the Lenders amend certain
terms in the Credit Agreement and in the manner provided for herein; and

          WHEREAS, the Administrative Agent and the Lenders are willing to agree
to the requested amendments;

          NOW, THEREFORE, in consideration of the premises contained herein, the
parties hereto agree as follows:

          1.   Defined Terms. Unless otherwise defined herein, terms which are
               -------------
defined in the Credit Agreement and used herein (and in the recitals hereto) as
defined terms are so used as so defined.

          2.   Amendment of Schedule 1.1(a). Schedule 1.1(a) of the Credit
               ----------------------------
Agreement is hereby amended by deleting the table thereof in its entirety and
substituting in lieu thereof the following table:

                                  Commitments
                                  -----------

                                        Revolving Credit         Term Loan
Lenders                                    Commitment            Commitment
-------                                    ----------            ----------

The Chase Manhattan Bank                  $ 3,500,000            $ 5,250,000
State Street Bank and Trust Company       $ 3,500,000            $ 5,250,000
European American Bank                    $ 3,000,000            $ 4,500,000
                                          -----------            -----------

               Total                      $10,000,000            $15,000,000

          3.   Amendment to Subsection 1.1. Subsection 1.1 of the Credit
               ---------------------------
Agreement is hereby amended by deleting the reference to the number "20%" in
clause (2) of the definition of "Eligible Accounts" and substituting in lieu of
such number "25%".
<PAGE>

                                                                               2

          4.   Amendment to Subsection 7.8. Subsection 7.8 of the Credit
               ---------------------------
Agreement is hereby amended by (a) deleting the reference to the amount
"$1,000,000" in clause (ii) thereof and substituting in lieu of such amount
"$1,500,000" and (b) deleting the reference to the amount "$1,250,000" in clause
(iii) thereof and substituting in lieu of such amount "$1,500,000".

          5.   Representations and Warranties.  On and as of the date hereof,
               ------------------------------
the Borrowers hereby confirm, reaffirm and restate the representations and
warranties set forth in Section 4 of the Credit Agreement mutatis mutandis,
                                                          ------- --------
except to the extent that such representations and warranties expressly relate
to a specific earlier date in which case the Borrowers hereby confirm, reaffirm
and restate such representations and warranties as of such earlier date.

          6.   Effectiveness.  This Amendment shall become effective as of the
               -------------
date first written above upon (a) receipt by the Administrative Agent of
counterparts of this Amendment duly executed by the Borrowers and all the
Lenders and (b) such certificates and opinions as the Administrative Agent may
reasonably require in connection with this Amendment.

          7.   Continuing Effect; No Other Amendments, Waivers or Consents.
               -----------------------------------------------------------
Except as expressly provided herein, all of the terms and provisions of the
Credit Agreement are and shall remain in full force and effect.  The amendments
provided for herein are limited to the specific subsections of the Credit
Agreement specified herein and shall not constitute a consent, waiver or
amendment of, or an indication of the Administrative Agent's or the Lenders'
willingness to consent to any action requiring consent under any other
provisions of the Credit Agreement or the same subsection for any other date or
time period.

          8.   Expenses.  The Borrowers agree to pay and reimburse the
               --------
Administrative Agent for all its reasonable costs and out-of-pocket expenses
incurred in connection with the preparation and delivery of this Amendment,
including, without limitation, the reasonable fees and disbursements of counsel
to the Administrative Agent.

          9.   Counterparts.  This Amendment may be executed in any number of
               ------------
counterparts by the parties hereto (including by facsimile transmission), each
of which counterparts when so executed shall be an original, but all the
counterparts shall together constitute one and the same instrument.

          10.  GOVERNING LAW.  THIS AMENDMENT SHALL BE GOVERNED BY, AND
               -------------
CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.
<PAGE>

                                                                               3

          IN WITNESS WHEREOF, the parties hereto have caused this Amendment to
be executed and delivered by their respective duly authorized officers as of the
date first above written.

                              ASI SOLUTIONS INCORPORATED

                              By: /s/ Michael J. Mele
                                  -----------------------------
                               Title: Senior Vice President & Chief
                                      Financial Officer

                              McLAGAN PARTNERS, INC.

                              By: /s/ Michael J. Mele
                                  -----------------------------
                               Title: Treasurer

                              THE CHASE MANHATTAN BANK,
                               as Administrative Agent and as a Lender

                              By: /s/ Stephen Zajac
                                  -----------------------------
                               Title: Vice President

                              STATE STREET BANK AND TRUST
                               COMPANY, as a Lender

                              By: /s/ John D. Gaziano
                                  -----------------------------
                               Title: Vice President

                              EUROPEAN AMERICAN BANK, as a Lender

                              By: /s/ Anthony Tomich
                                  -----------------------------
                               Title: Assistant Treasurer

Consented To:
<PAGE>

                                                                               4

C3 SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

ASSESSMENT SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

PROUDFOOT REPORTS INCORPORATED

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

T3 SOLUTIONS INCORPORATED

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

MCLAGAN PARTNERS INTERNATIONAL, INC.

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

MCLAGAN PARTNERS ASIA, INC.

By: /s/ Michael J. Mele
    -----------------------------
 Title: Treasurer

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