Felipe Vergara Co-Founder and Chief Executive Officer, Lumni, Peru

Felipe Vergara, Co-Founder and Chief Executive Officer, Lumni, Peru.

Lumni is the first organization to successfully bring to market the concept of human capital contracts. Whereas traditional student loans require students to pay back the full loan plus interest payments and fees, human capital contracts only require graduates to pay back a percentage of their income after graduation for a fixed period of time. In Lumni‟s case, the income differential of graduates generally exceeds the initial investment, creating a win-win for investors and students alike.