At the intersection of Impact Investing and Stakeholder Capitalism. Moving beyond credit scores, demographics, and sociology-economics with data, to rewrite risk management and potential-talent evaluation. Through continued analysis of public economic data and private vnde student information, and Income Sharing Agreements, arrives the most economically advantageous means of financing higher education. The vnde mission is to enable the opportunity of attaining higher education to be beneficial and available for all. Our vision is wherewithal for every member of society affected by the attainment of higher education.