Over the years as we have served countless students counselling them and their parents on what are the possible options for them in terms of tertiary education we realized that the tertiary education sector is severely underfunded and lack sufficient support in terms of grants/scholarships or even financing options. In comparison we noticed primary and secondary education gets lots more support from governments, NGO’s, CSR Initiatives. And besides this we noticed there was an immense disparity between accesibility to tertiary education mainly due to lack of funds in students part and ever increasing fees of tertiary education providers and most programs which aim to bring solution to this are geo specific either stuck to supporting only one country or community. Which again creates Inequality. Did you know that only very few countries provide financial aid/grants or full ride scholarships or loans to repay for college after graduating university to their citizens? And yet hundreds and thousands of students still lack opportunity to attend university due to financial difficulties to be able to afford it because they are required to pay their tuition fees and other university fees all at once for entire year or as 2 semesters.

We try to create opportunities where there is none for those that deserve it and have the drive/willingness to go all in and achieve their goals. 

But there are instances how hard some people struggle, even getting good grades are no use to allow them to proceed forward to their dream career; this can be due to reasons like the degree cost is way beyond what a normal person can find from their natural country economic environment within a few years, limited or no free university seats in own country, age cap for entry admission to university degree they want(so they need earn super fast the amount required to be able to go to university which is sometimes almost impossible), the students parents were not educated or aware enough to have saved any funds at all for university education and found out that it costs way more and is not the same ball game as high school fees, unable to get bank loans either due to their country having no financial institutions that lend funds to individuals or capital control of foreign currency due to economic conditions of country which means their banks not encouraged to give loans to spend in foreign country or collateral for obtaining bank loan not sufficient/collateral is owned by multiple people in family etc

Also another reason for us to start this Initiative was since there was no other organization which had created a solution for this very huge social problem which exists across several countries!

So we have addressed most of these problems in two ways; 

The 1st way was to use our own company funds and university funds to open a scholarship program to study abroad for key subjects that students can’t get into in their own country or lack finances for.

Proof here; https://cltchighereducation.com/cltc-higher-education-study-in-china-global-scholarship-am/ 

The 2nd way was to link students’ financial need for a degree to people who have excess money which they can choose to spend on anything their heart desires or have capital parked in savings accounts or banks that are giving them no returns or negative returns due to inflation in various countries. This system is also known as peer to peer lending. Initially it was all manual, now we have got it to a point of semi-manual where people can see the student profiles on our website and how much they need. We made this system so it can keep running sustainably even after we are no longer in this world, every person that funds student degree costs would get paid back monthly Interest+part of capital by student which in turn means the same investor/lender can continue to reuse that same money over and over again to drive more social and positive impact in the world plus as a bonus they get ROI as Interest too which they can reinvest or use for anything they like. The purpose of this model is so that people will not take money for granted since even these people who have big capital had to do a lot of hard work to get to the point they are at so it is only right that they need get repaid their funds monthly by students once they use it to enable themselves to achieve something otherwise impossible. 

We look forward to working with you to help expand this program as more and more philanthropists/invenstors/lendors/ngo’s and corporates join us to support this cause enabling students to reach their true potential.