liquidity pool w/ incentive structure for students active in/actively pursuing education. lenders (liquidity providers) receive yield distributions and borrowers (students) minimize taking on excessive loan/debt. fund would utilize APIs and smart contract integrate to monitor and maintain pegged fiat/cash assets in correlation to digital and cryptoassets in custody, in-house and third-parties. inherent decentralized protocols and associated interoperability would ensure that loan (borrowing) interest rates (APR) remain marginally below government/private rates. there’s infinite potential directions one could run with this, but I see potential/relevance for/of student-first benefits (e.g, participation, attendance, performance (static and relatively), community involvement, etc). the most basic example I can imagine is a GPA-correlated interest reward. for instance, if a student receives an above-par/expected GPA, the excess would reduce interest rates for his/her current loans. See hypothetical scoring below:

students agreed APR: 7%
students expected GPA: 3.0
students actual GPA: 4.0
students adjusted APR: 6%

this is a base case. there would be intricate factors that would impact/influence rates, terms, etc. the idea is to encourage student growth/performance through gamification of education.