Imagine a micro-equity investment in a talented low-income student’s tuition and living expenses for a fifteen-week “coding boot camp,” which converts into debt only once she gets her first job as a software developer. We can open up job opportunities, solve our skills mismatch, and unlock immense value in our human capital if we move past the current antiquated frameworks of public and private student lending to more personalized, talent-based, pay-it-forward financing systems—where both educational institutions and employers have more skin in the game to ensure the payoff to students of
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