The platform matches lenders with borrowers based on a student's potential rather than credit history, addressing the challenges faced by the student loan market. By incorporating academic and credit data, the "Human Capital Score" predicts future income levels and ability to repay loans. This data-driven approach allows lenders to make credit risk decisions based on the true potential of the borrower. People Capital aims to disrupt higher education by measuring its true economic value and empowering consumers and lenders to make better decisions about education financing.