Loan Gifting

Transformative student loan fintech platform.

Graduates in the US face an estimated $1.6 trillion in student debt, often resulting in years of financial burden, stress, and stigma. RKS recognized a need for a solution that not only aids repayment, but fosters emotional support and social connectivity.

Transforming debt into community driven empowerment.

Images of loan gifting dashboard

RKS initiated this as a mission driven internal project, using ethnographic research and Psycho‑Aesthetics® to explore the psychological and emotional toll of student debt. We mapped users’ feelings of embarrassment, isolation, and relief, and matched this context with crowdfunding trends, discovering an opportunity to frame debt relief as an act of giving and support.

Research Insights & Discovery

KEY OUTPUTS

Emotional journey maps for borrowers and supporters

Psycho‑Aesthetics® positioning: trust, dignity, and hope

Market assessment of crowdfunding and gift giving behaviors

How We Used Psycho-Aesthetics™ to Identify Unique Opportunities in the Project.

Using our proprietary Psycho-Aesthetics® 2.0 framework, we conducted in-depth interviews and ethnographic observation in diverse lab settings. We identified key emotional and usability pain points — such as intimidation with complex interfaces, workspace clutter, and trust in precision. These insights guided both the form and interface strategy, ensuring approachability and confidence in operation.

A presentation slide showcases a case study for Finnita, detailing the PA process: overview, research, synthesis, design, execution, moments of truth, insights, the solution, results, and new opportunities, using text, charts, and screenshots.
People showing pictures on wall with LoanGifting

We architected a robust SaaS platform enabling direct contributions to student loan providers, automating match tracking and secure payment processing. Built in analytics allowed borrowers to assess the impact of even modest recurring gifts, like $60/month potentially reducing a 10 year debt by 4 years at 6.8 % APR.

Software Engineering & Platform Development

KEY OUTPUTS

Functional beta release with secure payment APIs

Dashboard analytics engine and notification systems

Backend infrastructure for campaign management and employer portals

Loan numbers in the US showing market of LoanGifting
LoanGifting statistics about students loans

Our design team crafted a social dashboard interface where borrowers could share personal debt stories and create gifting campaigns for birthdays, graduations, or special occasions. With intuitive controls and clear financial visuals, users could manage debt goals, monitor contributions, and send reminders all with emotional transparency and guidance that promoted trust.

UI/UX Design Development

KEY OUTPUTS

Interactive UX prototypes and dashboards

Branding elements: campaign templates, icons, microcopy

Social sharing UX to foster engagement across networks

Showing market sizes for LoanGifting
LoanGifting being used on California by Design by Claire Azzam

Realizing that individual fundraising alone wasn’t sufficient for most debts, RKS pioneered a B2B strategy integrating LoanGifting into HR and benefit platforms. We collaborated on merger discussions with Finnita, enabling employers to add student loan repayment as a benefit, and partnered with ADP Total Source for employee benefit integration.

Business Strategy & Pivot to B2B

KEY OUTPUTS

Employer facing dashboard prototypes

Benefit package UX flows

Partnership proposal decks and integration specs

Human centered design for Loan Gifting

Status: Platform piloted as Finnita; featured in ADP Total Source benefit packagesRKS Design+1RKS Design+1

Media & Recognition: Highlighted on California By Design (KCBS Los Angeles, KPIX SF)—Earned strong endorsement from users like Claire Azzam:

“Loan gifting gives people a tool to help relieve some of that debt… It’s a no brainer.”

Key Outcomes and Results

Key Accomplishments

Monthly contributions can shave years off repayment timelines

Users report reduced stigma and emotional support

Employer Impact: Served as an innovative employee benefit—enhancing retention and financial well-being

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