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As every college-aged person knows, education, specifically college and graduate schools, can be expensive. There are few people who are fortunate enough to be able to pay for college or graduate school on their own. Even more fortunate are students whose parents can afford to, and are willing to, pay for their children's education past high school. For everyone else, there is another option.

Education finance is just as important as midterm and final examinations for some students. Some are in a position to get federal financial aid, others are lucky enough to get scholarships. But most students take out student loans. And these loans can follow them for years, in some cases, well past their 20s. But it doesn't have to be that way. With People Capital's lending platform (and its proprietary Human Capital Score credit risk metric) many students should be able to get a reasonable student loan that works for them.

The Human Capital Score is a data-driven method for predicting a student's future potential income that uses hard data such as GPA, standardized test scores, and choice of college/major to produce a powerful and very concrete credit risk assessment for an individual student borrower. Using that assessment, People Capital's lending platform can facilitate a student loan at a manageable rate, so you can go to school and only have to worry about schoolwork.

The online lending platform is closed for the current lending season.

Click here to receive updates and notifications about the online lending platform and the next lending season.

The Peer Advantage

For Borrowers
  • Superior methodology for assessing credit risk to facilitate funding — even with no credit history.
  • Better rates compared to credit cards with low limits, near-term pay-back requirements, etc.
  • Non-conventional loan sources packaged into tax-efficient options.
For Lenders
  • Robust functionality to search, filter and match borrowers on a variety of human capital, financial and educational metrics.
  • Create a unique portfolio of select student loans using benchmark income projections and similar data.
  • Human Capital Score&trade provides a superior way to assess borrowers' relative credit risk.

Ready to learn more?

People Capital offers an innovative and affordable alternative to traditional borrowing models.

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