This document discusses challenges low-income, high-achieving students face in accessing higher education opportunities and presents Sixup as a solution. It notes that low-income students are often forced to attend less selective colleges due to cost barriers, which can negatively impact outcomes. Sixup aims to bridge funding gaps for such students to allow them to attend more selective institutions through an outcomes-based model pairing students with philanthropic investors. The organization provides gap financing, grants, and wraparound support services to help students succeed in college and beyond.

2. S I X U P
POSTSECONDARY CREDENTIAL
ATTAINMENT IN THE U.S.
CURRENT
60% GOAL
39.4%

3. S I X U P
Estimated Baccalaureate Degree Attainment
by Age 24 by Family Income Quartile
1970 to 2009
1970
31.6%
16.5%
8.3%
40.2%
14.9%
10.9%
6.2%
10
Top Income Quartile
Third Income Quartile
Second Income Quartile
Bottom Income Quartile
Bachelor’sDegreeAttainmentRate
(moving3-yearAverage)
82.4%
20
30
40
50
60
70
80
90
1975 1980 1985 1990 1995 2000 2005

4. 60
70
80
90
100
Most Selective Selective Less Selective Non-Selective
HIGH-ACHIEVER COLLEGE GRADUATION RATES BY SCHOOL SELECTIVITY
Accepted to five schools.
Can't afford her top school.
SIXUP bridges the gap.
Andrea S.
Source: NELS 1988-1994 and 1988-2000. Data Files (NCES 2002-32R and 2000-328R8).
Higher-Income
91%
90%
85%
76%
82%
70%
83%
56%
Lower-Income
Upmatch Matters
Selectivity of Schools = Better Outcomes
S I X U P

5. NCES: College Choice Based on Family Background
S I X U P
49% of all first-generation students
enrolled in public two-year college,
compared to about 25% of the children of
college graduates.
26% of first-generation students enrolled
in public four-year universities, compared
to 45 percent had parents with college
degrees.
7 percent of first-generation college students
chose a private college, compared to 23
percent of students with parents who earned
a bachelor’s degree.
25%
49%
46%
26%
23%
7%

6. S I X U P
High Achievers by Family Income Quartile
2nd Quartile
22.0%
3rd Quartile
27.0%
Highest Quartile
34.0%
Lowest Quartile
34.0%

7. S I X U P
Inflation Factors: General, Medical, and College Tuition
$1.00
$2.00
$3.00
$4.00
$6.00
$7.00
$5.00
$8.00
$9.00
$10.00
InflationFactor
1978 1983 1988 1993 1998 2003 2008
General Costs Medical Costs Tuition Costs

8. We have a pathway problem. High achieving, low-income students are often
faced with making less than optimum decisions about higher education.
The Problem
Undermatching School
and Career of Choice
Work/School
Life balance
Delayed time
to Graduation
College Experience
(i.e. Internship/study abroad)
Financial Stress and Guilt of Family
Financial Burden
S I X U P

9. 4 year public 4 year private
$14,500
$6,500
Big Funding Gaps at
4-year Schools
Lack of Options
Private loans or credit cards with high interest
Work full time with little study time
2-year college path with difficult transfer opportunity
Drop below full time or stop out extending pathway
Out of Pocket Gap
$5,500 - $7500 Federal Loan Limit
$5920 - Federal Pell Grant Max
Source: U.S. Department of Education, National Center for Education Statistics, 2011-12 Figures net aid received from schools, governments and scholarships
S I X U P
Pathways Matter
Low-income students often can't afford the best higher ed Pathway

10. NCAN Affordability Report 2018
S I X U P
Students in 17 states and Puerto Rico
can’t afford to attend a four-year public
college and live on campus, even after
grants, aid, loans, and working full-
time over the summer.
Living off-campus, but not with family,
increases the number of unaffordable
states to 21 along with Puerto Rico
and the District of Columbia for
students.
When students don't work over the
summer, the number of states where
public four-year colleges are not
affordable on average balloons to 43
states and Puerto Rico for students
living on-campus.
46 states along with the District of
Columbia and Puerto Rico for
students living off-campus.

11. NSC Study: Transfer Graduation2yr
4yr
6yr
2005 - 2006
60%
8%
26%
6yr
2yr - 4 yr transfer
1 yr break transfer
S I X U P
83%
62%
24%
Attending Fulltime
After Transfer
Attending Partime
After Transfer
Attending
Mixed Enrollment
After Transfer

12. NCES Data: Time to Bachelors Degree
S I X U P
Community College Transfers
average months to bachelors
degree is 69 months.
Low-income students starting at
a 4-year college average months
to bachelors degree is 62.
High-income students starting at
a 4-year college average months
to bachelors degree is 52.
5.75 years 5.16 years 4.33 years

13. Cost 4-Years of College Cost 5-years + Wages Cost 6-years + Wages
$80,000
$40,000
$144,000.00
$120,000.00
$96,000.00
215K
Cost of Attendance (National Average $24k/yr)
Lost Wages (assuming 40k/yr)
Cost of Delayed Graduation
S I X U P

14. S I X U P
FINANCETECHNOLOGYDATA COMMUNITY
Sixup is an education fintech company matching high-achieving, low-income students
with philanthropic investors to fund their higher education aspirations.
We use an outcomes-based model that invests in and supports students through college, fueled by
data, technology, community, finance and student support.
What is SIXUP?
SUPPORT

15. Loans
Fico
Default %
Dumb Money
College
One-Offs
Data for Reporting
Investments
Achievements
Outcomes %
Smart Money
Pathways
Systems
Data for Upside
Seismic Shifts
S I X U P

16. First-Year
Transfers
In-College
Loans
Digital
Wrap-Around
JobMatch™
CreditBoost™
TutorUp™
Support
Sixup PBC, Inc.
Student Benefit
Digital
Knowledge HUB
College Decisions
Pathway Literacy™
Career Planning
Knowledge
Performance-Based
Grants
Internship Stipends
Sponsor Study Abroad
Fly Home for Holidays
Grants
Sixup Foundation
Ecosystem Benefit
501(c)3
Innovating Pathways to Social Mobility
S I X U P

17. /
Our Solutions
College Decision Support Finance Solutions
Community + Finance + Technology + Support
Outcomes-Based
Help students choose best value
to upmatch better pathways.
Sixup Lending
LLC
Sixup Foundation
501(c)3
Loans Grants
We provide gap financing & grants
based on student performance.
S I X U P

18. Career and
Internship
Health and
Wellness
Financial
Literacy
Tutoring
Wrap Around Services
S I X U P

19. S I X U P
Achievement Based Loans
Credit
Score
Financial
Stress
Partner
Feedback
Academic
Progression
Institutional
Outcomes
Alternative Model:
Outcome Data + Academics + Algorithms
Conventional Model
Credit + Cosigner

20. Year 2 Expansion AR, FL, GA
NE, NM, OR, VA, WV, NC
Year 3: CT, MA, WI, CA, NJ + More in 2018
30 Texas Partners - including TRIO,
KIPP, Cristo Rey, and Genesys Works
National Partnerships: TRIO, NCAN, COE, KIPP
Community Partnerships + National Expansion
S I X U P

21. W E G O T Y O U R B A C K