VAIBHAV SINGH and Arnav Kumar have a lot in common. Both are IIT-Kharagpur alumni. Both did stints with Deutsche Bank. While Arnav founded start-ups, Vaibhav worked for start-ups, before founding a company for disbursing education loans to students going abroad. They spent 2019 in setting up a financing arm in Delaware in U.S., apart from compliances, lending licences, etc. They were ready to start lending in 2020 but Covid-19 struck. They took the opportunity to move upstream and offer everything a student needs to pursue education in any country—mentors, counsellors, test prep, college applications, discussion forums and, finally, finance. In finance, they offer a dollar product. “We wanted students to benefit from cheaper global financing,” says Vaibhav. About 200 students have graduated from two-year programmes and have had 100% placement with median salary of $1,00,000 per year. — Gina Krishnan