​Dear Investors,

​

   Welcome to Student Promise. This is a novel investment tool that may help diversify your financial portfolio. After many years of students being charged high interest rates by Direct Loans and other entities for their education it is now the time to act. The high student debt is crippling the futures of young American graduates across the nation. In our society where we value the meaning of hard work, achievement, perserverance and the will to succeed these values are disrupted each day with the growing concerns of student debt.



     We ask you to partake in a new business venture with Student Promise in which we will offer lower interest rates to students while issuing securitized Medical Student Tuition Bonds to you for competitive returns on your investment. After speaking with multiple US senators, congressmen, and governors I have realized that this is the time that the private sector and students must unite to solve this problem. By investing in a medical student you will decrease your risks as well capture a high rate of return in the long term. All investments made will consist of a 4 year zero bond that converts to a coupon bond upon student graduation. The investor will be paid bi-yearly until the date of maturation (17 years. principal bond + coupons). Student Promise is also working to create an exclusive secondary tuition bond marketplace for you to maintain liquidity of the bond purchased.

​

    Your investments are secure as there is very low risk of default since more than 96% of Iowa graduating medical students enter employment in the form of residency following graduation. Less than 1% of medical students default on loan repayment. Let's come together to help thousands of medical students realize their dreams of becoming physicians. The purchase of Tuition Bonds will support all types of investors. Student Promise is committed to ensuring that students do not default and have built barriers and safety protections to reduce all risks of default. We are supported by a strong team of business professionals with finance and legal expertise.

​

Students pay less... Investors get paid... the State ensures more physicians... This is a WIN-WIN-WIN proposition!

​

Two types of tuition bonds will be offered:

1. State-Practice Tuition Bond: student must return to the participating state to practice medicine for a minimum of 5 years post-residency in any field of medicine.  

 

2. USA-Practice Tuition Bond: student is able to practice medicine anywhere in USA.

​

We are in the process of securitizing the student loans and issuing bonds. We could use your support in further developing this effort. Please contact us if you are willing to help.

​

​

Sincerely,

​

Shady Henien, Founder of Student Promise