• Hand-Up offers students and schools unique products and terms not found anywhere else in the private student finance marketplace.
• Hand-Up’s non-profit status allows it to offer products and services to students that are as economical as federal loans, but with better customer service solutions.
• Hand-Up utilizes best-in-class third-party origination partners that make the application process for students and schools simple and efficient.
• Hand-Up has a highly qualified management team and utilizes seasoned servicing partners to build a compliance environment that could not be replicated at individual schools in a cost-effective manner.
• Hand-Up’s capital structures rely on multiple sources of capital working in synergy to address differing risk tolerances and investment objectives.

HAND-UP PRIVATE FUNDING PLATFORMS
& PARTNERS

Hand-Up is the only entity that can bring students, schools and investors together to meet common goals.

HAND-UP FINANCIAL GROUP:
IMPACT EXAMPLE

The Cycle Can Continue in Perpetuity

• Ability for Investors, Donors and Schools to invest directly in the lives and futures of worthy students
• Investment (net of loss reserves) can be: 100% school funded (nets against loan proceeds); 100% investor funded; or a combination thereof
• School replaces the government by guaranteeing loan program losses (including a funded reserve from loan proceeds equal to 1.5X estimated losses).
• School saves on internal program management staffing that would be required of an institutional loan program.
• Hand-Up manages all origination, servicing, compliance and reporting and costs of third-party providers.
• School and investors both receive a “treasury-like” 2% annual return on their investment in student loan portfolios.

• Hand-Up acknowledges that building and managing a compliant loan/ISA program could be a significant distraction from schools’ core mission: educating students
• Hand-Up enables schools to expand their demographic reach while simultaneously taking small steps on a path to independence from government funding sources
• Hand-Up delivers equal or better cash flows than could be achieved with an institutional loan program.

• Hand-Up allows for the structural complexity and compliance requirements of a loan program to be managed outside of a school.
• Hand-Up helps schools looking for additional GAP Funding solutions that will add immediate value to their students, including:
  • Increasing access
  • Reducing attrition
  • Reducing large out-of-pocket or in-school payment obligations
  • Increasing the amount of credit loads that can be taken per term (and thereby reducing the time to completion)

Hand-Up’s GAP Funding solutions level the playing field for underserved students with uniquely designed, privately funded, repayable solutions that are comparable to federal government aid programs offerings to credit-tested parents and grad students.  Key design elements include:

• Financial literacy training and other resources help students become successful, self-supporting adults.
• Low in-school payments on loans allow students a chance to establish positive payment habits while also promoting self-discipline, self-determination, and self-confidence well before federal and private loan repayment commences.
• Flexible repayment terms accommodate unforeseen life events.
• Engagement strategies and campaigns assist and motivate the students to keep making payments after separation.