Students are generally informed in writing about the impacts of student loans, but they sometimes regard loan providers as predatory once the loans come due.

There is a chance here for both the student and Pathrise to benefit from working together, but the social interaction (and understanding that students sometimes make life-choices that they later regret) must be navigated with a deft touch.

An up-front payment for Pathrise's services, assuming that they work, would appear to avoid any future sadness; the student could finance the interaction with an outside financier. Coupling the financing directly to the service may cast an unwarranted shadow upon an effective job-placement service.