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I was lucky enough to graduate from college without having had to take out any student loans, but even if I had needed to take out a loan, at least it would have been before the “credit crunch.” These days it’s a lot harder for students to finance their educations than it was just a couple of years ago. Credit in general is extremely tight right now, and beyond that, lenders are being very picky about whom they lend to. For students with no credit history, getting a loan can be a big pain in the butt. People Capital is a New York City based startup that is aiming to change that through what they call a “peer-to-peer lending platform.” They’ve developed a Human Capital Score “to assess the creditworthiness of those just starting their credit histories,” and they’re now building out a network of borrowers and lenders to bring the idea to life. It’s kind of like Kiva for education, but with a for-profit incentive keeping things efficient.
When People Capital’s idea catches on, it has the potential to completely change the lending industry—not just the student loan industry. We used to trust banks to make smart financial decisions, but those days are over. Now we can micro-manage our lending and borrowing through peer-to-peer lending. Borrowers can get lower rates based on information that goes beyond the traditional credit score, and lenders can make a profit while financing the educations of promising students. It’s hard to say whether people are ready for this kind of a business model yet, but if they are, People Capital is going to be growing at insane rate pretty soon (if they aren’t already).
If People Capital sounds like the kind of place that you want to start your career, then you should check out their job listings on Startuply. Right now they’re looking to hire people to help them with Business Development in Philanthropic/Endowment/Affinity Channels and in Capital Markets. You can apply for these positions online right now, and keep your eyes peeled for more new jobs as peer-to-peer education lending becomes all the rage in the world of microfinance.
Links to Help You Begin Your Research
What do you think about People Capital’s concept of peer-to-peer lending?
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