It all started nearly two decades ago with a very straightforward goal – to help more students gain access to funds to pay for college.

In the 1980s, vast numbers of the college-bound were not eligible for federal student loan programs because their family incomes were too high. But paradoxically, those same families sorely lacked adequate financial resources to pay for college on their own. What was needed was a private initiative to cure a public policy problem.

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Enter EduCap Inc. – a not-for-profit education organization with a bold vision, and bold leadership to match it. We quickly discerned a critical demand for education financing that went beyond the narrow, need-based confines of existing federal programs. Forging an unprecedented nationwide network of strategic alliances, EduCap pioneered the concept of privately-funded, credit-based education lending – the first true, practical alternative to government student loan programs. The rest is history.

The rapid and far-reaching success of this simple yet powerful idea inspired EduCap to create a family of unique, unsecured education loan programs. In so doing, EduCap – which has disbursed billions of dollars in student loans since its founding – single-handedly laid the foundation for today’s multibillion-dollar private student loan industry. In a remarkably brief period of time, EduCap’s innovative and entrepreneurial approach took a traditionally ponderous, process-driven industry by storm, and revolutionized student lending.

As a consequence, millions of eager, dedicated students – students who might otherwise have never been able to pay for a higher education – were able to earn college degrees. They’re out there every day, hard at work building better lives for themselves, for their families, and for society at large.

Which, when you think about it, is what our mission is all about.

The first thing that greets a visitor to EduCap’s offices is an imposing sentence, prominently affixed to the wall in raised bronze lettering:

“A spark struck in the mind of a single student may, in time, come to illuminate the entire globe.”

Lofty words? Perhaps. But then, they’re there to remind us that we have a lofty purpose.

We believe that through higher education, all students have the potential to change the world. Our mission is to give students every opportunity to do just that, by providing them and their parents with outstanding education financing programs like Loan to Learn. We’re committed to providing affordable, flexible loans in amounts that cover the true cost of education today, and delivering the most rewarding school loan experience available anywhere.

But we’ve never forgotten that our loans are not an end in themselves, but just the means to an end: the success of individual students, and the realization of their dreams.

“Nowadays, everybody knows the price of everything and the value of nothing.”

Oscar Wilde wrote those words more than one hundred years ago. Yet they’re just as valid today as they were then – especially with regard to the people who are unable to focus on anything but the dollar-and-cents expense of a college degree.

Yes, a college degree is expensive. But a higher education is not a cost – it’s a worthy investment with the potential for great personal and financial returns. In truth, the most expensive mistake a person can make is not to go to college. A four-year college graduate, on average, will earn $1 million more than a high school graduate over the course of a career. Perhaps more importantly, a college graduate will enjoy the intangible but lifelong social, cultural, and intellectual benefits that only a higher education can provide – benefits that are, in a very real sense, priceless.

We understand how large an investment in higher education can be. And make no mistake – poor education financing choices can impose intolerable financial burdens on students and families alike. It’s all too common to hear horror stories of adverse economic repercussions that begin before graduation and continue for decades.

But with Loan to Learn, there’s no need to suffer. Flexible repayment options can be tailored to fit a borrower’s changing circumstances. Affordable payments allow students to achieve their higher education goals, while avoiding additional hardships in their daily life.

Loan to Learn provides a simpler path to financing your education. Based on nearly two decades of experience in lending, consulting and innovating within the student loan industry, Loan to Learn has flexible solutions for all your financial education needs.

No other private or government student loan program offers this breadth of features:

A fast, easy online application process available year round, 24 hours a day
High rate of application approval
Toll-free customer service
No application deadlines
Credit and risk-based pricing
Pre-approval in minutes, online or by phone
Fast loan disbursement by check or wire transfer
Competitive interest rates
Low monthly payments
Loan amounts that cover ALL education-related expenses, not just tuition

Convenience. Affordability. Simplicity.

That’s the Loan to Learn difference.

Since 1986, EduCap has provided and administered billions of dollars in education loans to hundreds of thousands of qualified students and their families. EduCap makes its student loan programs available direct to consumers, as well as through secondary channels such as corporations, schools and other affinity sponsors.

As a pioneer in the education loan industry, EduCap has quite a few “firsts” to its credit. Here are just a few:

	EduCap was the first to develop a credit-based education financing product in the United States, creating a multibillion-dollar industry.
	EduCap was the first to securitize credit-based education loans on Wall Street, uniformly attaining AAA ratings.
	EduCap was the first program developer and administrator to market private student loan programs directly to the consumer.
	EduCap was the first to design and implement a fully-automated origination and servicing platform for credit-based education loans.
	EduCap was the first to develop customized credit scoring models and incorporate risk-based pricing into education financing products.
	EduCap was the first to bundle complementary products, such as a personal computer for use at school, with private higher education loans.
	EduCap was the first to provide American business with an education financing program that could be offered as an employee benefit.

When EduCap first came on the scene, it encountered a world of lenders offering education loans that focused on their own bottom lines – not on meeting the urgent needs of students and their families. Predictably, not many students or parents were interested in them. Above all, we’ve learned that an education loan program must work with the financial rhythm of the family.

EduCap’s Loan to Learn™ Education Loan Program is a family of unsecured higher education loans based on borrower income and credit, reflecting a store of wisdom and experience accumulated over nearly two decades of education lending.

Loan to Learn is available to students accepted or enrolled in typical four-year undergraduate programs. It’s also available to students in community college, graduate school, and technical or trade schools.

Loan to Learn covers all education-related expenses – up to $50,000 per year. Its low monthly payments and flexible deferment options make Loan to Learn affordable for students and families on a budget.

Loan to Learn can consolidate a student’s multiple education loans into one loan with one easy payment. It can also consolidate the existing student loans of spouses, or of multiple children in the same family.

Loan to Learn covers traditional college costs like current tuition and room and board.
It also covers a myriad of other education-related expenses, including student and lab fees, travel to and from school, books, supplies, a personal computer, telecommunications charges, and any such costs that were incurred in previous semesters.

Loan to Learn offers competitive interest rates, generous repayment terms, and rapid disbursement of loan proceeds. It also offers toll-free access to prompt, courteous customer service from knowledgeable and highly trained student lending professionals, a state-of-the-art online presence with loan application and account maintenance available 24/7, and a hassle-free, deadline-free application process.

Loan to Learn is the education financing program of choice for a new millennium, and a new generation of students.