OUR MISSION
It all started two decades ago with a straightforward goal - to help more aspiring students gain access to funds to pay for a college education.
In the 1980's, vast numbers of college-bound students were not eligible for financial aid or federal student loan programs because their family incomes were just too high. However, those same families lacked adequate financial resources to pay for college on their own. What was needed was a private initiative to cure a public policy problem.
Enter EduCap® - a not-for-profit education organization with a bold vision, and bold leadership to match it. We quickly discerned a critical demand for student loans that went beyond the confines of existing federal programs. Forging an unprecedented nationwide network of strategic alliances, EduCap pioneered the innovative concept of privately-funded, credit-based education lending - the first practical supplement to the 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 student 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.
The Loan to Learn program is custom-designed for one specific purpose-to help families to pay for college. Our company is committed to providing student loan programs that work with the financial rhythm of the family and cover the complete cost of a college education—programs based on monthly payment structures to fit real-world lifestyles.
What is it about the Loan to Learn programs that revolutionized student lending?
- They're Affordable—with competitive interest rates and terms, generous repayment periods, and low monthly payments to maintain your lifestyle.
- They're Unsecured—so your home equity and 401(k) retirement account are never at risk.
- They're Fast and Easy—with no government forms required, no deadlines, and instant pre-approval.
- They Foster Responsibility—so students can be creditworthy co-signers and establish their own credit histories.
- They Let You Keep Earning on Your Investments and Savings—so you don't need to liquidate your nest egg to pay for the cost of a college education.
Loan to Learn is simply the best, most logical way to pay for a higher education today.
As a result, 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.