This honestly sounds like a pretty cool idea, but I’m a little concerned about something you say:
> Most of the content is open source. Some of it’s from places like Freecodecamp, which is available for free. If you have money, you don’t need us.
If you are not offering much value in terms of the educational content (since it’s freely availabe), then aren’t you essentially just loaning people money. They get money now, and they promise to pay you back a higher amount in a while.
Wouldn’t it be simpler and cheaper for someone to just get a 2k loan on their own and study the freely available content on their own?