Graduates in the U.S. face an estimated $1.67 trillion in student debt, often leading to prolonged financial strain, stress, and stigma. In response, RKS developed Finnita as a community-driven platform that reframes repayment as a shared, human-centered experience. Since launch, Finnita has helped reduce more than $100 million in student debt, scaling into an AI-driven system that uses intelligent insights to personalize engagement, support better repayment outcomes, and adapt to individual financial behaviors—while remaining grounded in trust, empathy, and transparency.