obligation is complete at the end of that period regardless of the sum paid to date. Under this design, students face little risk of overly burdensome debt payments, providing peace of mind for the debt-averse populations that are most in need of funding.

The organization’s model allows individuals and institutions to invest in their community’s most valuable asset: the future of its youth. In exchange, students receive the flexible source of financing they need to complete their education and pursue their dreams. Lumni’s fund management model allows for a broad range of different types of projects, each with its own distinct characteristics. Funds may serve students from different demographic groups, focus on a particular city or region, or offer investors different levels of social and financial return on investment.

Lumni has received social-impact awards from Worl Economic Forum, Clinton Global Initiative, Inter-American Development Bank, UBS, Ashoka, Endeavor, and many more.

Lumni currently manages investment funds in Chile, Colombia, Mexico, Peru, and the United States and has financed nearly 10,000 students to date.