When it comes to academic funding, institutional lenders still stand as the largest source of capital income for prospective students. People Capital is a new platform that aims to let newcomers start a credit story that will be assessed by lenders, and that will stand as a true exponent of that person’s academics creditworthiness.
The People Capital platform, then, matches lenders with students and provides the former with an accurate depiction of the skills of the latter.
The company has developed a system named “Human Capital Score” which incorporates GPAs and standardized test scores as well as projecting the eventual income levels and the ability to pay indebtedness.
Any solution that brings together college funding sources as a whole with students is obviously going to attract a considerable amount of attention, and a platform like this one (which showcases the true potential of the student) is twice as appealing. If you are weighing up how you should proceed best when it comes to your education, or the education of a loved one, then this site is definitely worth a good look.
People2Capital.com In Their Own Words
“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.
The People Capital platform generates liquidity in the market by matching all lenders with all borrowers, not just “family and friends.” Institutional lenders remain the largest source of capital in these markets.
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.”
Why People2Capital.com It Might Be A Killer
The peer approach simplifies everything for lenders and borrowers alike. Lenders have a better representation of the risks at play, whereas borrowers can assess credits in a neater and more flexible manner.
Some Questions About People2Capital.com
How can this service become as widespread as it deserves to become? 
