I am using Upstart capital to diversify my own human capital and finance my work at Prime Student Loan. I believe that my engineering background coupled with my financial expertise gives me a highly valuable and readily employable skill set: I turned down buyside offers in June to pursue PSL. I strongly believe that we are on the cusp of a revolution in consumer finance: the last 25 years have been about putting more debt on more individuals; the next 25 years will be about making individuals and consumer assets (mortgages) investable under equity-like terms. This is nowhere more apparent than in higher education. I am dedicating my time now to building an enterprise that can capitalize on this paradigm shift, learning as much as I possibly can about the human capital industry, and building a network of investors and partner companies to create an investment network that can optimize the earnings potential of American human capital. Through Upstart, I hope to monetize a portion of that work and simultaneously expand my mentor network.