People Capital

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