The financial aid letter that finally says yes — underwritten on your enrollment, GPA trajectory, and the career you've already earned.
The data on why students
can't wait for traditional aid.
of students delay career-critical moves due to funding gaps
A $3,800 loan covers the average summer research abroad program — and pays back in 4 months of your starting salary.
average wait for federal aid disbursement after enrollment
Borrow funds in 4 minutes. Your stipend arrives in 6 weeks. Bridge the gap without touching your credit card.
average credit card interest paid on a $5K balance over 24 months
The same $5K at 8.4% APR with Borrow costs $224 in total interest. That's $623 back in your pocket.
Total interest paid on $5,000 over 24 months
Lower is better
Days from application to funds in account
Faster is better
Everything legacy banks
won't tell you side-by-side.
BORROW | Credit Cards / Banks | |
|---|---|---|
| Credit check type | Soft pull only | Hard pull (affects score) |
| Cosigner required | Never | Usually required |
| Time to funds | Same day | 14–56 days |
| Underwriting basis | Enrollment + trajectory | Credit score + income |
| Origination fee | $0 | 1–5% of loan |
| Prepayment penalty | None | Sometimes |
| APR range | 6.2–11.4% | 10–29%+ (credit cards) |
We lend on who
you're becoming.
Traditional lenders look backward — at years of credit history you haven't had time to build. We look forward, using the data that actually predicts whether a student will repay: enrollment status, academic trajectory, and expected earning power.
Enrollment Verification
8 sec verificationWe verify your active enrollment directly with your school's registrar via our NSLDS integration. No documents to upload — takes 8 seconds.
GPA Trajectory Analysis
2.7 GPA minimumA rising GPA signals lower default risk. We weight your most recent two semesters more heavily than your freshman year — because you've grown.
Expected Earning Power
10yr salary datasetWe cross-reference your major, school tier, and graduation date against 10 years of placement data. A CS senior at Michigan has a 94% placement rate at $82K+ median.
Soft Credit Check Only
0 score impactWe check for active bankruptcies and collections — nothing that penalizes you for not having a credit history yet. Your score doesn't change.
Who qualifies
Already accepted a job offer?
Upload your offer letter and we'll use your starting salary in underwriting — often dropping your rate by 0.8–1.4 percentage points.
See exactly what you'll pay
before you ever apply.
First 6 months breakdown
| Mo | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $172.56 | $145.96 | $26.60 | $3654.04 |
| 2 | $172.56 | $146.98 | $25.58 | $3507.06 |
| 3 | $172.56 | $148.01 | $24.55 | $3359.05 |
| 4 | $172.56 | $149.04 | $23.51 | $3210.01 |
| 5 | $172.56 | $150.09 | $22.47 | $3059.92 |
| 6 | $172.56 | $151.14 | $21.42 | $2908.78 |
Estimated at 8.4% APR · Actual rate determined after application
The number
you actually need.
You've read the data. You've seen the comparison. Now see your rate — in 60 seconds, with no impact to your credit score.