A revolution in education finance
Credit risk assessments, based on a student’s Human Capital Score™ underpin a cutting-edge peer-to-peer lending platform.
Built on research developed at The Wharton School of the University of Pennsylvania Insurance Department, the Human Capital Score™
combines credit-risk tools and metrics with academic performance data to give insight into each borrower's future potential. Using
merit data such as GPA, standardized test scores, college and major, it provides a unique measure of the future economic value of an
education. The Human Capital Score™ may empower students to make more informed educational decisions and is more
relevant to lenders in the student loan space.
Our peer-to-peer lending platform will provide a full range of customized private student loan products with the flexibility that
students need – short-term loans, long-term loans, balloon payment loans and consolidation loans.
These loans are intended to qualify as "private student loans". We are also dedicated to providing a full range of features that
are unique to the student loan arena, such as enrollment verifications, disbursements directly to schools, etc.
We will offer students a more affordable alternative to traditional borrowing options. Due to our superior methodology for
assessing credit risk – via our patent-pending Human Capital Score™ – our platform may be able to facilitate lower rates and pricing.