We identify high-potential students with financial needs through our PYT score and our relationships with over 1,800 universities and colleges. We ensure your donations and grant funds are maximized by going directly to the students who will most benefit.

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Donations can be made on our website.

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Currently, PYT's lending partners service the loans, but banks have the flexibility to acquire the loan to service it themselves.

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Banks have access to a dashboard of student loan requests, along with predicted default rates provided by PYT. Banks can submit offers to students and set their own terms. Students then choose among their offers.

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The students who come to PYT have exhausted all other options. They are right at the graduation finish line and just need a little bit more help. We examine positive characteristics to tell their story to "Hero Banks" that can potentially become these students' bank for life

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We have helped over 3,000 students obtain loans, and our first class graduated in 2016. We have yet to have a student default on a payment.

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Banks pay PYT a referral fee per student.

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Currently, 90% of student loans require a co-signer. Our thin-file clients can potentially qualify as below the income threshold, or living in CRA-qualified low- or middle-income zip codes. PYT and its diverse team is minority, female, and veteran led, and can offer potential CRA-credit for working with us.

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