1. Yes. they do offer. Problem is they don't directly offer it. In the US private agencies like Sallie Mae is doing it. The whole idea of student loan program was to provide a way for poor minorities so forth to get them away to go to college and loans were administrated largely by the Federal government banks but in the late 1990s through the privatization of Sallie Mae they turned over this extremely important function largely to the private banks, financial institutions, and private equity companies. Sallie Mae not just issued bonds but more importantly they privatized delinquent loans collectors.

After the privatization, Sallie Mae CEO Albert Lord made so much money that he builds his own private golf course in Southern Maryland near Annapolis so he and his buddies could play golf. Under Albert Lord, Sallie Mae paid colleges to drop out of the federal program and make Sallie Mae the loan provider. It put their own employees in university call centers as if the students were getting advice from college loan officers. It lavished exotic trips on college financial officers. It even paid a New Jersey agency $15 million to steer business to Sallie Mae. Needless to say, the Department of Education didn’t have a budget to entertain college aid officials with free cruises on the Potomac River. If you are burdened with thousands or tens of thousands in student debt, and can’t find employment, I just wanted you to assure you that Wall Street is making very good use of your money

2. Yes. Lending is a risky business if you have no idea what you are doing. We use blockchain to use ledger technology and manage student data and notarization. If you read our whitepaper, you will understand that. Kindly go through my above answer for the university verification etc to understand the process.

We have done our research. Please go through our blogs to understand more about what we are trying to do - https://medium.com/peerfin