Students get lower rates when they do well. Investors actually earn something. Parents can finally help without cosigning a nightmare loan. No banks taking a cut in the middle.
The interest gap
Here's what your family pays in interest on a $15,000 loan over 10 years. Brace yourself.
Parent PLUS
Interest paid
$8,400
Private Loan
Interest paid
$4,800
3.5+ GPA
Interest paid
$2,400
You save up to $6,000 with ScholarFund.
That's interest going to real people who backed you — not a bank's profit margin.
Illustrative comparison. Actual rates vary by GPA. ScholarFund rates can adjust based on academic performance.
Run the numbers
Drag the sliders. The numbers update instantly. No email required.
Your rate with ScholarFund
6.0%
A typical private loan charges 11.5%. That's a big difference.
Real talk
How it works
Share your GPA history, major, school, and how much you need. Your university verifies the grades directly — no faking it.
Parents, alumni, and everyday investors back your loan starting at $100 each. Think of it like crowdfunding, but you pay it back.
Keep your GPA up and your rate goes down. Slack off and it nudges up a bit. Never above your original cap though — promise.
For investors
Most lending platforms make you wait years before you see a dime. We built ScholarFund so something lands in your account from the moment you fund a student.
1% cashback the moment the loan closes. You earn before the student even enrolls.
Real money in your account every month — not at the end. Watch it tick up.
Grades post → your return updates → cash deposited. Twice a year, like clockwork.
Dean's list, on-time graduation, early repayment — small bonuses when your student wins.
Secondary market lets you cash out your position. High-GPA stakes often sell at a premium.
Your activity feed
Maya C. finished spring semester
+$22.40
Priya P. made Dean's List
+$2.50
Monthly interest deposit
+$5.83
Jordan E. enrolled for fall
Just now
New listing: Alex K.
Sample feed — real notifications will look like this
Lower rates are just the start. Hit milestones, ace semesters, build good habits — and we knock real money off what you owe.
3.7+ GPA earns $100 toward your principal. Dean's List adds another $50.
Finish your degree on schedule and we shave $500 right off your balance.
Set up auto-pay and your rate drops a quarter point. Forever.
Just landed your first job? Take an extra month to get on your feet.
Friend gets funded through ScholarFund? You both get $100 off your loan.
A real example
Here's what she'd earn over 4 years:
8 semesters of high GPA cashback
$800
Dean's List bonuses (×4)
$200
Graduated on time
$500
Referred 2 friends
$200
Auto-pay enrolled
~$450 saved
Total knocked off her loan
$2,150
All for doing what she was already doing — being a good student.
No fine print games. Earn it, get it.
Cosigning a private loan puts your credit on the line for the next decade. ScholarFund lets you support your child — or any student you believe in — without that baggage. And if you want to invest, you actually earn something back.
Invest directly in your child's loan at a great rate. You're the one backing them — and you earn back the interest too.
Back a student from your old school, your hometown, your industry. Real returns, real impact.
Your kid holds their own loan. Your credit isn't on the hook. You just get to help.
Parent PLUS charges ~9% plus a 4% fee upfront. ScholarFund students start at 5–6% with no origination fee. Do the math.
We're talking to financial aid offices, admissions teams, and student services leaders who want to give their students a real alternative to private loans — without any extra work landing on your desk.
When financing is less scary, more admitted students actually enroll. Better options close the gap for families on the fence.
ScholarFund students typically pay 30–50% less in interest over the life of the loan compared to typical private options.
Grade verification goes through National Student Clearinghouse automatically. No new software, no new processes, no headaches.
Good questions
Early members get first access, locked-in rates, and updates straight from the founder. No spam, ever.