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How Real-Time Education Data Unlocks Student Loans
Nearly half of US student loan borrowers lack the credit score for a private loan. Fintechs like Stride Funding and Vemo Education now use real-time data from universities—enrollment status, academic progress, even major—to underwrite income-share agreements and dynamic loans. This episode explores how API-driven education data is opening credit for millions of invisible borrowers, the numbers behind ISAs vs traditional loans, and why regulators are watching closely. Lucas and Luna dig into one specific use case: a sophomore at Arizona State who qualified for $15,000 based on her GPA and…
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