Graduates begin by submitting an application that captures essential information about their background and current student loan situation. At this stage we collect:

• Personal and identity information

• Education history — degree(s) and graduation date(s)

• Current employment data (role, employer, work status)

• Loan servicer details and loan types

• Loan balance documentation directly from servicers when available

This isn’t just a form, it’s a structured intake that allows us to understand who is applying and why they need support. We utilize third-party verification services to confirm education credentials and loan balances. We reserve the right to re-verify information to maintain accuracy throughout the process.

This involves ensuring your personal information, employment, education, and loan balances are accurate as reported.

After an application is submitted, we conduct a structured verification process to confirm that the information provided aligns with official records and supporting documentation. Accuracy at this stage is essential to protect donor funds, preserve fairness within the applicant pool, and maintain the integrity of the program.

We verify:

• Personal information to confirm identity and prevent duplication

• Employment details to ensure current work status meets program criteria

• Education history to confirm degree completion and eligibility

• Loan balances and servicer information to confirm active repayment status and reported amounts

We use the National Student Clearinghouse® to verify your education. This allows us to confirm degree completion directly through an established, trusted academic verification system used by over 97% of U.S. institutions.

Credit reports are reviewed to ensure the amounts reported reflect actual outstanding obligations. If documentation is incomplete or unclear, additional confirmation may be requested before an application proceeds.

This step ensures consistency, accuracy, and responsible stewardship of all donor-supported funding.

Internally, we adjust the verified loan balance to account for accrued interest and timing differences that can occur between verification and payment. We also include a small overhead allocation to support operational services, payment processing fees, and the long-term sustainability of our organization.

For full (100%) payoff scenarios, the verified balance is increased by 5%. Within that amount, 3% functions as a transactional buffer to account for interest accrual, servicer timing fluctuations, or other fees placed on your loan balance. The remaining portion supports the infrastructure required to administer verification, compliance, and secure payment execution.

This adjustment helps ensure your loans are paid as completely as possible without leaving an unexpected remaining balance due to timing gaps or processing costs.

Approved applicants are placed into our donation queue, where funding is provided through contributions made by supporters of our mission.

Placement in the queue follows a sequential order based on internal applicant ID. There is no priority tier, no donor directed selection, and no ability to move ahead based on visibility or influence. Advancement occurs strictly as funding becomes available and earlier approved applicants are fully funded.

Applicants remain in the queue as long as they continue to meet eligibility requirements and remain in good standing. If material changes occur, such as loan payoff, default status, or ineligibility, placement may be reevaluated to preserve fairness across the applicant pool.

The queue is not publicly displayed at this time. It is internally administered to ensure consistency, equal treatment, and responsible allocation of donor supported funds.

When the full donation goal for your loan(s) is reached, we send payment directly to your student loan provider on your behalf.

Before any funds are disbursed, we schedule a live final verification session with you. During this session, we reconfirm your identity, review the most current loan balance directly from your servicer, and verify payoff details to ensure accuracy at the time of payment. This final step helps account for any recent payments, interest accrual, or balance changes that may have occurred since earlier verification.

Once confirmed, payment is transmitted directly to the verified loan servicer. Funds are not sent to recipients. This ensures proper application to the loan account and reduces the risk of processing errors.

Disclaimer: Once funds are disbursed, you remain solely responsible for any remaining loan balance, accrued interest, fees, or other amounts owed to the loan provider.