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Youth-at-risk now at college are FICO score deficient
 P2P lending Co-sign loans Financial literacy   that is preachy CARD Act semi-backfired
 Need $100 to    prime the pump $100 line +  CARD ACT compliant No other financial commitment
College students are helpingcollege students (but only at rich schools)
These undergrads are under“Deep UndergroundCredit Knowledge” or Duck9
[object Object]
 Provides decision-making   for credit card banks that    sell credit cards to   college students
 Evaluated over 30 million   college students in    1,200+ schools,[object Object]
 Sends text reminders to   college students to hack   credit score (using a 5-digit   short code service)
 Sends reminders to manipulate   FICO score to 750Don’tforget
[object Object]
Holds contests, roping    contestants into doing    something educational
Hones unit economics7  5  5
? ? ?

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