Brilliance is Evenly Distributed.
Opportunity is Not.

We may not know who initially coined this phrase, but it is an unavoidable fact that not every student has equal access to education or to college financing.

BIPOC students typically don't have the same level of familial wealth to support their post-secondary education, necessitating greater indebtedness - and often at higher interest rates - than their White counterparts. At the same time, women, regardless of ethnicity, are not compensated at the same level as their male counterparts, and often need more time to pay off an equal amount of debt. As one might predict, the problem compounds in the case of BIPOC women.

The reality is that these factors make the true cost of attending college inequitable. Higher education is fundamentally more expensive and has greater potential consequences for low-income, BIPOC, and female students who must borrow to pursue or complete their degrees.

ICF partners with social impact investors who share our values and commitment to equitable education, financial, and professional opportunities.

These investors are individuals, institutions, foundations, and corporations who recognize the vast potential that is lost when college graduates must make loan-payments their primary consideration when deciding to start a family, open a business, pursue an advanced degree, work for a non-profit, or save for their retirement. Conversely, our investors recognize the vast potential held by college graduates when they are unencumbered by debt!

With our partner investors, ICF is determined to disrupt inequality from two distinct, but related, angles.

ICF has developed a proprietary model of investment, loan refinance, and scholarship creation. Utilizing investment capital, we refinance high interest rate student loans, making it possible for credit-worthy college graduates to pay off their loans at a savings of 10-50%, enabling them to make personal and professional choices less encumbered by loan indebtedness.

At the same time, our investment model creates new scholarship money for low-income, first-generation, and BIPOC college students. This new scholarship money begins to make the cost of college more equitable for all students, regardless of racial or financial background.

As a woman of color and first-generation college graduate, co-founder and CEO of Impact Capital Funds, C. Elizabeth Abeyta-Price, has firsthand experience of the profound impact a college education can have on an individual, familial, and even community level. Elizabeth’s husband and co-founder, Craig Price, developed ICF’s proprietary investment model to help mitigate racial wealth and income disparities.