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A win-win solution to alleviate the $1.5 trillion US student debt crisis.

  • 4-7 Team Size
  • St.Gallen Location
  • Company, seed stage Project Status
  • crowdlending, social impact, social entrepreneurship, Blockchain, Cryptocurrency Markets


We pivoted 4 times meanwhile, worked for around 2000 hours, went to countless competitions and have now a solid concept to create a win-win relationship.

Since this page is ranked one and we are not live yet, check out my LinkedIn if you want to see more.

Imagine you have $150k of student loan debt and are not able to pay back? Imagine how many years you have to work in a job to pay it back.

And then, there is this interest rate. $50k becomes $100k of debt in only 9 years without repayment. Since 70% of the student population in the US have the student debt problem, we want to find a way to lower the interest rates. Having spent half a year in San Diego made me realize how big this problem is.

How do we lower the interest rates? Introducing perseedU. perseedU is a crowdlending platform that redefines the interactions between students and companies. Companies invest on the platform as part of their Corporate Social Responsibility program where perseedU distributes the money to selected, underserved students using cutting-edge algorithm. The money is not gone. Students pay it back at a lower interest rate or have the option to work for one of the supporting companies.

perseedU engages companies and students in a unique win-win solution and aims to alleviate the $1.5 trillion student loan crisis. Companies act as non-traditional lenders, benefit from an extended talent pipeline and simultaneously do good for the society. $15.2 bn have been spent on CSR-related activities by Fortune 500 companies in 2016 alone, which clearly shows that social impact is something they already care about. Here, instead of donating money to the rain forest in the Amazon, they are directly helping out their future employees, which are the students.


Terence La