The Extended Team at People Capital

People Capital has developed a number of strategic partnerships and operational realtionships to be able to ensure that our clients receive outstanding service.

Financial
Operational
Marketing
Legal
Financial

Experian is a global leader in providing information, analytical and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions. Experian provides us with credit reporting services and fraud solutions services.

JPMorgan Chase is a leading global financial services firm with assets of $2 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset management, and private equity. JPMorgan Chase handles our ACH transactions and other banking services.

With more than 78 million active accounts in 190 markets and 19 currencies around the world, PayPal enables global ecommerce. We use PayPal to process the application fee for borrowers.

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Operational

University Accounting Service (UAS) is a full service provider of accounts receivable management services focused exclusively on the needs of colleges, universities, and private loan providers. UAS is a subsidiary of NCO Group the world's largest collections agency. People Capital uses UAS to process the loan payments and associated servicing.

Amazon Elastic Compute Cloud (Amazon EC2) is a web service that provides resizable compute capacity in the cloud. Amazon EC2 allows us to quickly scale capacity as our computing requirements change. It also allows us to build failure resilient applications and isolate themselves from common failure scenarios.

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Marketing

CreditCards.com Logo - Students At CreditCards.com we continuously monitor the credit card market in order to bring you the best credit cards, reviews and credit card offers available online. Credit card offers are displayed side by side so you can easily compare key factors such as interest rates, annual fees as well as other key features. Once you have found the card that is best for you, you can fill out an online credit card application and in some cases even get a credit decision within 60 seconds. At CreditCards.com our goal is to provide a resource where consumers can search, compare and apply for the best credit card offers online.

Prosper is America’s largest online peer-to-peer lending marketplace for borrowing money and investing in loans. Prosper allows people to invest in each other in a way that is socially and financially rewarding. People Capital and Prosper have partnered to provide borrowers seeing both educational and non-educational loans on their respective Web sites. Borrowers that do not qualify for educational loans on Prosper will be offered the opportunity to access People Capital. People Capital will refer its borrowers who are interested in taking out non-educational loans to Prosper.

Established in 1997, SalemGlobal is one of the leading and oldest website marketing Internet consultancies. It specializes in website marketing, search engine optimization, online lead generation and PPC (pay-per-click) management.

Trylon SMR is a NY-based PR firm serving clients in the technology, media and telecommunications industries. Trylon handles our public relations and media outreach activities.

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Legal

Powers Pyles Sutter & Verville is a Washington, DC-based law firm that focuses on healthcare, education and the law of tax-exempt organizations. Robert Lavet, Principal PPSV and former general counsel for Sallie Mae, provides advice and assistance on regulatory issues including compliance with the Higher Education Opportunity Act, Truth-in-Lending Act and their implementing regulations, the Equal Credit Opportunity Act, and other state and federal statutes, including state consumer lender licensing requirements.

Chambliss, Bahner & Stophel, P.C. is a 123-year-old law firm that has built a rich heritage of successful client service by anchoring its practice in the time-honored principles of legal scholarship, professionalism, innovation and skillful, vigorous advocacy. The practice encompasses a range of services including consumer financial services, intellectual property, taxation and business planning.

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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.
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