Student lending, structured the right way.
Disburse to schools, defer repayments while the student is in study, then activate amortisation when they graduate. With co-signer and guarantor support out of the box.
- In-study grace periods with interest accrual choice
- Disbursement to schools or directly to students
- Co-signer and guarantor profiles per loan
- Post-graduation amortisation activation
What lenders in this space tell us.
Schedules pause and restart
Most loan systems can't pause a schedule for 4 years then auto-activate when the student graduates.
Co-signers are the norm
Student loans usually involve a parent or guarantor. Tracking their KYC, liability, and notifications matters.
Money goes to schools
Disbursements often go to an educational institution, not the student. The flow needs to support that natively.
Everything you need to run this product line.
Grace periods
Configure 0-48 month grace periods with optional interest accrual during study.
School-as-payee
Route disbursements directly to enrolled institutions, with proof-of-enrollment workflows.
Co-signer profiles
Each loan carries primary borrower + co-signer with separate KYC and notification trees.
Post-graduation activation
On graduation event, repayment schedule rebuilds and activation reminders fire.
KYC + identity
BVN and identity verification for both borrower and co-signer at origination.
Income-based repayment
Optional income-driven repayment plans that adjust monthly amounts to post-graduation salary.
Student lending, without the schedule chaos.
Configure your grace periods, school-as-payee rules, and co-signer flow — start lending to students this week.