Message from the Founder & CEO
Recent events in the capital markets have led to overly harsh treatment of student borrowing. Not only
have lenders fled the market, but also, those that have stayed are unable to best distinguish between
good and bad risks. We aim to address both issues.
Our patent pending Human Capital Score™ is based on the work of leading academics, and addresses the challenge of
how to assess the creditworthiness of those just starting their credit histories. Our credit assessments
will allow lenders to make credit risk decisions based on the true potential of the borrower.
Thomas Shelton, Founder & CEO
Who We Are
Founded by a team of world-class talent (with backgrounds in student lending, consumer finance, credit ratings and new media), People Capital has developed
the next generation of credit risk management and funding for student financing.
What We Do
People Capital provides a peer-to-peer (p2p) lending platform on which students are matched with college funding sources —
be they individual investors, philanthropic/affinity groups or financial institutions.
Our Approach
Our patent pending underwrites
students without credit history, scores or co-signers by instead projecting individual income levels
and ability to pay
indebtedness. We incorporate GPAs, standardized test scores, college and major to provide a true and unbiased,
data-driven measure of the economic value of an education.
Why We're Different
- Our Human Capital Score™ measures income potential, unlike traditional measures.
- We maximize confidence in borrower authenticity, verifying student enrollment status and earmarking disbursements for schools.
- We provide institutional-quality credit risk and analytical tools for all lenders, plus the data and analytics necessary to make smart lending decisions.
- We give institutional lenders a new opportunity to create a unique portfolio of individually selected student loans — with all the underlying data.