Einstein Risk Score: the new standard for granting student loans.
Fairness, equity, and college access for hardworking college students to realize their dreams is my passion. I am Aaron Pisacane, a 26-year expert in college finance living in Philadelphia. My impatience of seeing lenders ignore a student’s academic success is the motivation behind the creation of Einstein in 2021. Motivated to improve the world we live in today, one hardworking student at a time.
More data, more insight, better informed lending decisions.
Instantaneous scoring, 100% automations, third party integrations, error-free processes, and annual model updates.
The problem with the current system
The private student loan market has not advanced in accessing the risk profile of a college student. The college student’s risk has little do with lending decisions today. Lenders rely on parent cosigner’s credit report and employment income ignoring the students strong or weak academic profile when approving loans and when pricing loans. The industry has failed to advance its credit models.
The Einstein Risk Score – the F*CO score of student risk. The new standard in student loan risk assessment.
Advantages of our model
In 60 years of student lending, understanding student risk is finally made possible for student loan lenders to make lending decisions.
Instantaneous student risk score
Third party reliable data sources
100% end-to-end automated processes
Sophisticated data analytics for model improvement
Annual model updates