We offer a turnkey solution for banks to offer higher education consumer microloans. We analyze alternative data to generate a PYT SCORE and identify low-risk loan candidates that FICO SCORE misses. Instead of turning down loan candidates, banks can direct them to our platform.

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Our lending partners set industry-standard lending terms. We typically offer interest rates of 6-10%.

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We have found that students who can raise a portion of their need significantly increase their probability of qualifying for a loan. It is not a requirement and students may apply without crowdfunding.

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The moment they realize they have a financial need, and at least a month before their first payment is due. We recommend students apply near the end of any semester when they still have an outstanding balance so their registration is not placed on hold and they can still register for their first choice classes.

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Students and universities DO NOT pay fees to PYT. PYT is paid a platform fee from our lending partners.

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Any student with a financial need may use our crowdfunding platform. Qualified students may access a private mircoloan. We can currently only offer loans to domestic students and place an emphasis on junior and seniors seeking $10,000 or less.

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We focus on gap funding and microloans, particularly for juniors and seniors who need $5,000 or less. Additionally, we look beyond the FICO Score by analyzing alternative data and can offer loans without a co-signer. Our crowdfunding platform also allows students to raise money to reduce their debt burden.

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