In this segment, Remy Blaire, delves into the pressing issue of debt in America, highlighting the staggering national debt of over $37 trillion and the significant burden of individual debt, particularly in the realms of credit cards and student loans. With U.S. credit card debt reaching $1.21 trillion and student loan debt climbing to $1.81 trillion, the financial landscape for many Americans is increasingly challenging.
To address this, Remy Blaire welcomes Daniel Rubin, the Founder & CEO of YELO Funding, a fintech company that has been recognized as the Student Funding Company of the Year in 2025. Daniel shares insights into how YELO Funding is revolutionizing the student loan repayment process by offering a unique financing model. Unlike traditional loans, YELO Funding provides gap financing to college students after they have exhausted federal loans, scholarships, and grants. Their approach ties loan repayments to a percentage of a student’s future income, making payments more flexible and affordable.
Daniel explains that the current education financing system has created an unsustainable bubble, with tuition costs rising over 1,300% in the past 45 years. He emphasizes the disconnect between the cost of education and the expected income for graduates, which has led to a significant number of students defaulting on their loans. YELO Funding aims to break this cycle by assessing the return on investment (ROI) of various degree programs and financing students based on the potential value of their education rather than their socioeconomic background.
The pair discuss the implications of recent legislative changes in student financing, including caps on federal loans, which are expected to shift a substantial market share to private lenders. Daniel highlights how YELO Funding is well-positioned to take advantage of these changes by offering outcome-based financing that prioritizes the financial well-being of students.