People Capital is a student loan company leveraging a peer-to-peer (p2p) lending platform to match students with college funding sources — be they individual investors, philanthropic/affinity groups or financial institutions. We also drive innovation in student credit scoring with our patent pending Human Capital Score underwrites students without credit history, FICO scores or co-signers by projecting individual income levels and ability to pay indebtedness. We incorporate GPAs, SAT scores, internships, college and major to providing a true and unbiased, data-driven measure of economic value of an education.