Loan Forgiveness Jobs in Austin, TX

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Associate, Capital Markets

Company: Invitation Homes

Location: Dallas-Fort Worth, TX

Posted Dec 17, 2023

We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, Veteran status or any other factor protected by applicable federal, state or local law. Our associates know that at Invitation Homes goals matter, potential is unlocked, and careers thrive. Interface with lenders, loan servicers, trustees, rating agencies, and joint venture partners. Invitation Homes offers the below to each new associate: Competitive pay and an annual bonus program for all associates Generous paid time off plans including vacation accrual, sick time, volunteer time, and standard and floating holidays 401k with matching company contributions Awesome work environment with casual dress Team events and gatherings Employee resource groups: Together with Women, Asian Alliance, Black Collective, Juntos, Gen Next, and Open Invitation. Just like we help our residents live freer, we liberate our associates' careers, too. Assist in the preparation of presentation materials for management, current and/or potential investors and lenders, rating agencies, and joint venture partners. Invitation Homes truly is where possibility lives, pour a new foundation here! Advanced degree or certifications a plus, but not required. Salary Range $71,925.00 - $124,670.00Compensation and Benefits To attract and retain top talent, we're pleased to offer competitive compensation and benefits, including: Annual bonus program Health, dental, vision, and life insurance Long-term and short-term disability insurance Generous paid time off plans include vacation accrual, sick time, standard holidays and floating holidays 401(k) with company matching contributions Awesome work environment with casual dress Team events and gatherings (Pre- and Post-Covid) Invitation Homes is an equal opportunity employer committed to fostering a diverse, inclusive and innovative environment with the best associates. Please do not forward resumes to Invitation Homes employees.

Security Engineer - Hybrid

Company: Octane

Location: Dallas-Fort Worth, TX

Posted Nov 22, 2023

Octane Lending is an equal opportunity employer committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, or any other protected status with respect to recruitment, hiring, promotion and other terms and conditions of employment. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. You will have the opportunity to work on coding/scripting, cloud technology, and system design to solve the challenges of maintaining systems, building technology infrastructure, and eliminating work through automation. Embedded in an Agile environment, you will work cross-functionally with product managers, engineers, and other internal stakeholders company-wide to ensure that Octane’s foundational technology and corporate IT stack, both internally critical and externally visible, have reliability, security, and a fast pace of improvement. We are looking for a Security Engineer with a passion for automation, interconnectivity, security, and implementation of robust technology systems. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed. Responsibilities: Evaluate, configure, implement, and maintain security and enterprise technology platforms Automate up-to-date patching and configuration for servers and infrastructure Review of security alerts to our endpoints, servers, and networks; investigate and decide proper course of remediation Manual and automated assessments of code and package security Collaborate with engineering teams to improve security baseline of the organization Promote security best practices across the company: help employee understand security concept, help them improve their use of security controls Assist compliance team with identifying security gaps Requirements: 2 - 4+ years of professional experience in Cyber Security or related role BS+ in Cyber Security, Computer Science or related field Experience in endpoint protection and incident management Experience with identity and network security solutions including familiarity with network protocols General understanding of application security and type of vulnerabilities Familiarity with digital forensic tools and processes Detail-oriented, with good problem solving and decision making Proven communication and collaboration skills, specifically complex security subjects to both technical and non-technical audiences Programming/scripting experience (Python and Bash a plus) Security Certification(s) (plus) Benefits: Robust Health Care Plans (Medical, Dental & Vision) Generous Parental Leave Up to 5 weeks time off (self-managed) Retirement Plan (401k) with company match! Educational Assistance/Tuition Reimbursement up to $3K/year Life Insurance (Basic, Voluntary & AD&D) Short Term / Long Term Disability Robust Ancillary benefits including accident insurance, hospital insurance, etc Disclaimer: The above statements are intended to describe the general nature and level of work being performed by associates assigned to this classification. Octane adds value throughout the customer journey: inspiring enthusiasts with our editorial brands, including Cycle World® and UTV Driver®, instantly prequalifying consumers for financing online, routing customers to dealerships for an easy closing, and supporting customers throughout their loan with superior loan servicing. We connect people with their passions by combining cutting-edge technology and innovative risk strategies to make lifestyle purchases - like powersports vehicles, RVs, and OPE - fast, easy, and accessible.

Senior Account Executive

Company: BP3 Global

Location: Austin, TX

Posted Dec 11, 2023

Stable and progressive history of quota achievement Knowledge of Intelligent Automation/Process Management (BPA, DPA, RPA, AI, ML, Process Mining and Case Management solutions) Solid proven territory analysis skills Experience selling both premise and cloud-based solutions, including transition to cloud services desirable Fluent with Microsoft Office or Google docs, Excel or Google Sheets, PowerPoint or Keynote, and Salesforce.com US Citizenship is required Ability to travel is required Benefits Equal Opportunity Employer 100% Employer Paid Health Insurance for you and your dependents Employer HSA Contributions 50% Employer Paid Dental & Vision Insurance for you and your dependents 401(k) with Matching Employer Contributions up to 3.5% of salary 100% Employer Paid Life Insurance, AD&D, and LTD Student Loan Reimbursement Cell Phone Reimbursement Voluntary Accident & Critical Illness Insurance Supplemental Life Insurance Flexible Vacation Policy A team that genuinely cares about you, not just the work you do! Ability to work with multi-cultural and geographically distributed teams Able to communicate well and build successful relationships across all levels of the organization Superior written, verbal, presentation and negotiation communications skills Ability to work in a fast-paced environment Ability to influence decision making and work across executive and operational levels on IT and Business side Sales methodology industry-leading. 10+ years of direct experience selling major accounts, B2B: inclusive of 3-5 years of selling direct professional services Candidate should have prior client services experience in IT services industry Demonstrated ability to take initiative and interact with CXO level leadership Well-versed in managing the process of new business development Solid foundation in business development and pipelining Experience managing large project deals, working in an onsite offshore model Ability to navigate a matrixed organization and represent team with professionalism and self sufficiency Experience working with and leveraging large partner organizations Strong interpersonal and communication skills. You are able to push the customer's thinking to quickly gain credibility, build a strong relationship and contribute to the success of our clients and BP3. Provide insight to the customer as the basis of the commercial conversation, teaching customers something new/valuable about how to compete in their market Develop financially and technically sound solutions and value propositions Respond to RFPs, generate proposals, and liaise with customers and prospects and BP3 leadership to negotiate contracts for software license and support, professional services, and subscription services Work with BP3 partners to generate BP3 value propositions Requirements You are a motivated enterprise consultative sales professional driven to add value to your clients and their intelligent automation strategies. Experience with persona based and industry targeting is highly desired Customer-centric strategic mindset Solid foundation in prospecting and hunting Proven success exceeding quota and outperforming peers through hard work and tenacity. The Senior Account Executive is responsible for communicating the value of BP3's professional services, product assets, and support offerings. You are a creative and energetic self-starter who can identify and build strong working relationships at all levels and with diverse teams within the client organization to gain new business. Senior Account Executives are responsible for developing new client relationships, and supporting the business through the development, management, and execution of strategic and tactical account development. Lead business development activities Negotiate commercial terms of engagement while maintaining deal profitability Continuously build and maintain a pipeline of sales activity through creative pipelining and prospecting Penetrate new organizations/accounts Develop a trusted advisor relationship with multiple stakeholders across the client organization Provide insight to the customer, teaching customers something new/valuable about how to compete in their market.

DE&C Engineering Intern

Company: NRG Energy

Location: Houston, TX

Posted Dec 10, 2023

In return, NRG will provide the support, guidance, and opportunities to help our ideal candidate be successful. As the emerging talent and a valuable future asset, NRG seeks to help candidates make significant impact, inspire people, and provide exceptional customer service. Official description on file with Talent. To the extent permitted by law and any applicable collective bargaining agreement, employees are subject to periodic random drug testing, and post-accident and reasonable suspicion drug and alcohol testing. NRG is looking for selfdriven, high-caliber individuals who can grasp complex commercial issues and harness information to deliver solutions. NRG aims to help candidates build strengths, gain skills that can be transferred to any workplace, and stand out from the crowd. During the internship, candidates will work on real projects and have real responsibilities. Ideal Candidate This Intern role within the organization is a DE&C Engineering Intern based in Houston, TX. EOE AA M/F/Protected Veteran Status/Disability EEO is the Law Poster (The poster can be found at http://www.eeoc.gov/employers/upload/poster_screen_reader_optimized.pdf) Level, Title and/or Salary may be adjusted based on the applicant's experience or skills. A Fortune 500 company, operating in the United States and Canada, NRG delivers innovative solutions while advocating for competitive energy markets and customer choice, working towards a sustainable energy future.

Customer Service Specialist

Company: RoundPoint Mortgage Servicing Corporation

Location: Dallas-Fort Worth, TX

Posted Dec 07, 2023

Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. The employee must regularly use hands to finger, handle, or feel objects and is regularly required to reach with hands and arms; the employee may occasionally climb or balance, and stoop, kneel, crouch, or crawl. That’s why we hire individuals who share our core values: Energy, Ethics, Execution, Everyone, and Earn it! Together, we can achieve great things! As a RoundPointer, we will empower you to innovate, provide meaningful solutions, set goals and crush them, play hard, and give back to the community! All Win. Our secret sauce is our mantra, All In. RoundPoint’s Employee Value Proposition: Grow, make a difference, and have fun along the way! If you aren’t motivated, have difficulty with time management, following instructions, conducting research, and connecting interpersonally this is NOT the job for you. The noise level in the work environment is usually quiet to moderate, and no extreme conditions are present.

Intern - Pricing Analytics & Product Development

Company: GM Financial

Location: Dallas-Fort Worth, TX

Posted Dec 21, 2023

GM Financial, a global auto finance solutions provider and subsidiary of General Motors, is seeking students for a 12-week internship. The role involves supporting the Pricing department with data management, analysis, and reporting for loan and lease products. The intern will also assist with subvention partner invoicing, conduct ad hoc research, and participate in philanthropic activities. The company offers competitive pay, networking opportunities, and a chance to apply for a full-time position. The internship is part of a flexible hybrid work environment, with three days a week in the office. Eligible candidates must be pursuing a bachelor's degree in Finance, Economics, Math, or a related field with a minimum 3.0 GPA.

Team Lead

Company: Orchard

Location: Austin, TX

Posted Dec 02, 2023

We provide employment opportunities without regard to age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable law. Training & Support: Orchard provides transaction coordination services on every deal, best-in-class sales scripting, presentations, and materials, a dedicated training team that provides ongoing agent training, and an inside sales team that vets referrals and sets an appointment before passing them on to you. We provide high quality referrals, differentiated product offerings, and best-in-class training and support. Differentiated product offerings: As an Orchard Team Lead, you’ll have access to Orchard’s Concierge program; Orchard’s Equity Advance product offerings for people selling a current home and looking to buy a new one; frictionless integration of Orchard Mortgage and Orchard Title, each with industry-leading products and customer satisfaction; and cutting edge CRM and transaction management tools. Why Join Orchard: High-quality seller referrals: Orchard provides qualified appointments with serious home-selling customers for you and your team. Culture: Orchard has a strong consumer brand that’s centered around customer experience and has great Trustpilot reviews. We’d Love to Hear From You if You Have: At least 3+ years of experience as a licensed real estate agent At least 2+ years of experience managing or mentoring real estate agents Demonstrated ability to effectively coach a team, develop skills, and produce results Strong communication skills - both written and oral Passion for customer service and a proven ability to deliver an outstanding customer experience while meeting or exceeding production targets An active and unrestricted Texas real estate license and a deep understanding of the home buying and selling process in the greater Austin area Reliable mode of transportation and ability to travel within your market area The willingness to adapt to a client's and agent’s schedule and work various hours as needed, including nights and weekends (for home tours/showings, and agent training) LI-Remote BI-Remote LI-BO1 Orchard is proud to be an equal opportunity employer. Competitive splits: You can build a business around and a share of your team’s production. Orchard is looking for a customer-focused, licensed and experienced Team Lead to join our growing team in Austin. We have financing from top-tier investors including Revolution, Firstmark, Accomplice, Navitas and Juxtapose, who have also backed the likes of Pinterest, Airbnb, Shopify and Sweetgreen.

Team Lead

Company: Orchard

Location: Houston, TX

Posted Dec 02, 2023

We provide employment opportunities without regard to age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable law. Training & Support: Orchard provides transaction coordination services on every deal, best-in-class sales scripting, presentations, and materials, a dedicated training team that provides ongoing agent training, and an inside sales team that vets referrals and sets an appointment before passing them on to you. We provide high quality referrals, differentiated product offerings, and best-in-class training and support. Differentiated product offerings: As an Orchard Team Lead, you’ll have access to Orchard’s Concierge program; Orchard’s Equity Advance product offerings for people selling a current home and looking to buy a new one; frictionless integration of Orchard Mortgage and Orchard Title, each with industry-leading products and customer satisfaction; and cutting edge CRM and transaction management tools. Why Join Orchard: High-quality seller referrals: Orchard provides qualified appointments with serious home-selling customers for you and your team. Culture: Orchard has a strong consumer brand that’s centered around customer experience and has great Trustpilot reviews. We’d Love to Hear From You if You Have: At least 3+ years of experience as a licensed real estate agent At least 2+ years of experience managing or mentoring real estate agents Demonstrated ability to effectively coach a team, develop skills, and produce results Strong communication skills - both written and oral Passion for customer service and a proven ability to deliver an outstanding customer experience while meeting or exceeding production targets An active and unrestricted Texas real estate license and a deep understanding of the home buying and selling process in the greater Houston area Reliable mode of transportation and ability to travel within your market area The willingness to adapt to a client's and agent’s schedule and work various hours as needed, including nights and weekends (for home tours/showings, and agent training) LI-Remote BI-Remote LI-BO1 Orchard is proud to be an equal opportunity employer. Competitive splits: You can build a business around and a share of your team’s production. Orchard is looking for a customer-focused, licensed and experienced Team Lead to join our growing team in Houston. We have financing from top-tier investors including Revolution, Firstmark, Accomplice, Navitas and Juxtapose, who have also backed the likes of Pinterest, Airbnb, Shopify and Sweetgreen.

Vice President, Originations - Real Estate

Company: Crestline Investors, Inc.

Location: Dallas-Fort Worth, TX

Posted Nov 23, 2023

Minimum of five to ten years of relevant real estate finance experience in all property types and complex financing structures, and have closed upwards of $200 million in commercial mortgage originations in the last 12 months Proven track record originating, underwriting, and structuring relevant commercial real estate debt investments across the US Strong relationships with commercial and investment banks, real estate brokers, real estate owners, developers, and investors and finance companies Strong credit, structuring, and underwriting experience in commercial real estate Well-organized; strong independent work ethic with an excellent attention to detail Effective written and oral communication skills Strong excel financial modeling required Travel required, as appropriate Bachelor's degree in Accounting, Finance or Real Estate Finance The Ideal Candidate will ... Have prior experience with a Life Insurance Company, or a Mortgage Origination shop with direct client access, or a debt fund originator with a demonstrated track record Be capable or originating across multiple asset classes including, but not limited to, multifamily, industrial, and single family residential Source, originate, and structure first lien mortgage loans, mezzanine financing, and preferred equity investments Develop and maintain relationships with borrowers, brokers, mortgage bankers, commercial and investment banks, developers and investors, and other sources of third-party commercial mortgage loan origination opportunities Have strong analytical skills and quickly identify strengths and weaknesses of an investment to efficiently pre-screen transactions that contain attributes suitable for Crestline’s Opportunistic funds and Crestline’s reinsurance strategy Monitor micro/macro commercial real estate market conditions, attend commercial real estate related conferences, and further develop all direct distribution channels Key Attributes/Experience ... The Vice President, Originations - Real Estate will lead the originations effort for Crestline's real estate investment team and will work across Crestline’s Opportunistic funds and Crestline’s reinsurance strategy sourcing first lien mortgage loans, mezzanine financing, and preferred equity investments. The company maintains affiliate offices in New York City, London, Toronto and Tokyo. In addition, the firm manages a multi-PM equity market-neutral hedge fund, and provides beta and hedging solutions for institutional clients. The ideal candidate’s focus will be on 1st lien mortgage loan origination in the US. Crestline specializes in credit and opportunistic investments, including financing and restructuring solutions for mature private equity funds. Crestline Investors, Inc., founded in 1997 and based in Fort Worth, Texas, is an institutional alternative investment management firm.

Managing Account Executive - Oil & Gas

Company: Travelers

Location: Houston, TX

Posted Dec 16, 2023

CPCU designation. Four years of underwriting experience. Bachelor's degree. Employment Practices Travelers is an equal opportunity employer. Through Life Balance, you're eligible for five free counseling sessions with a licensed therapist. We are committed to recruiting, retaining and developing the diverse talent of all of our employees and fostering an inclusive workplace, where we celebrate differences, promote belonging, and work together to deliver extraordinary results. Experience leading others is a plus. In addition, our Life Balance program provides access to professional counseling services, life coaching and other resources to support your daily life needs. To learn more about our comprehensive benefit programs please visit http://careers.travelers.com/life-at-travelers/benefits/. Perform other duties as assigned.

Home Retention Specialist I

Company: Pennymac

Location: Dallas-Fort Worth, TX

Posted Dec 03, 2023

Some key benefits include: Comprehensive Medical, Dental, and Vision Paid Time Off Programs including vacation, holidays, illness, and parental leave Wellness Programs, Employee Recognition Programs, and onsite gyms and cafe style dining (select locations) Retirement benefits, life insurance, 401k match, and tuition reimbursement Philanthropy Programs including matching gifts, volunteer grants, charitable grants and corporate sponsorships To learn more about our benefits visit: https://pennymacnews.page.link/benefitsCompensation: Individual salary may vary based on multiple factors including specific role, geographic location / market data, and skills and experience as defined below:Lower in range - Building skills and experience in the role Mid-range - Experience and skills align with proficiency in the role Higher in range - Experience and skills add value above typical requirements of the role Some roles may be eligible for performance-based compensation and/or stock-based incentives awarded to employees based on company and individual performance. Benefits That Bring It Home: Whether you're looking for flexible benefits for today, setting up short-term goals for tomorrow, or planning for long-term success and retirement, Pennymac's benefits have you covered. Together, 4,000 Pennymac team members across the country are guided by our core values: to be Accountable, Reliable and Ethical in all that we do. Pennymac is committed to conducting a business that makes positive contributions and promotes long-term sustainable growth and to fostering an equitable and inclusive environment, where all employees and customers feel valued, respected and supported. Salary$38,000 - $53,000 Work ModelOFFICE Excellent internal and external customer service skills, including professional telephone manner and ability to write clear and concise business correspondence Excellent computer skills, including proficiency in Microsoft Excel, Word Why You Should JoinAs one of the top mortgage lenders in the country, Pennymac has helped over 4 million lifetime homeowners achieve and sustain their aspirations of home. As the Home Retention Specialist, you will be accountable for performing all duties in accordance with company policies and procedures as well as state and federal lawsThe Home Retention Specialist will:Receive inbound calls through a queue to assist customers with inquiries regarding their package, outstanding conditions, status on their review, trial plan, post modification or general loan servicing questions Conduct outbound call campaigns to secure commitments for outstanding packages, missing conditions, payments, and respond to customer inquiries Manage email and fax communications from customers and authorized third parties to ensure items are acknowledged and addressed in a timely manner Update customer financial information to initiate foreclosure alternative programs, provide results and next steps based off the recommendation received Participate in specialized campaigns to support loss mitigation initiatives and investor, state or company specific focuses Perform other related duties as required and assigned Demonstrate behaviors which are aligned with the organization's desired culture and values What You'll BringHigh School Diploma / GED 1+ years default servicing experience Thorough knowledge of investor specific foreclosure alternative programs, loan servicing, foreclosure, and bankruptcy Proficient with CFPB, FDCPA and ECOA regulations. Together, we work towards a unified goal of helping millions of Americans achieve aspirations of homeownership through the complete mortgage journey.A Typical DayThe Home Retention Specialist I's primary responsibility is to serve as the customer's single point of contact (SPOC) for investor, state, and company modification foreclosure alternative programs and initiatives, in addition to mitigating losses and ensuring program compliance. Our vision is to be the most trusted partner for home. At Pennymac, our people are the foundation of our success and at the heart of our dynamic work culture.

Team Lead

Company: Orchard

Location: Dallas-Fort Worth, TX

Posted Dec 02, 2023

We provide employment opportunities without regard to age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable law. Training & Support: Orchard provides transaction coordination services on every deal, best-in-class sales scripting, presentations, and materials, a dedicated training team that provides ongoing agent training, and an inside sales team that vets referrals and sets an appointment before passing them on to you. We provide high quality referrals, differentiated product offerings, and best-in-class training and support. Differentiated product offerings: As an Orchard Team Lead, you’ll have access to Orchard’s Concierge program; Orchard’s Equity Advance product offerings for people selling a current home and looking to buy a new one; frictionless integration of Orchard Mortgage and Orchard Title, each with industry-leading products and customer satisfaction; and cutting edge CRM and transaction management tools. Why Join Orchard: High-quality seller referrals: Orchard provides qualified appointments with serious home-selling customers for you and your team. Culture: Orchard has a strong consumer brand that’s centered around customer experience and has great Trustpilot reviews. We’d Love to Hear From You if You Have: At least 3+ years of experience as a licensed real estate agent At least 2+ years of experience managing or mentoring real estate agents Demonstrated ability to effectively coach a team, develop skills, and produce results Strong communication skills - both written and oral Passion for customer service and a proven ability to deliver an outstanding customer experience while meeting or exceeding production targets An active and unrestricted Texas real estate license and a deep understanding of the home buying and selling process in the greater DFW area Reliable mode of transportation and ability to travel within your market area The willingness to adapt to a client's and agent’s schedule and work various hours as needed, including nights and weekends (for home tours/showings, and agent training) LI-Remote BI-Remote LI-JA1 Orchard is proud to be an equal opportunity employer. Competitive splits: You can build a business around and a share of your team’s production. Orchard is looking for a customer-focused, licensed and experienced Team Lead to join our growing team in DFW. We have financing from top-tier investors including Revolution, Firstmark, Accomplice, Navitas and Juxtapose, who have also backed the likes of Pinterest, Airbnb, Shopify and Sweetgreen.

Frequently Asked Questions

What are the typical salary ranges for Loan Forgiveness roles at different seniority levels?
Entry‑level Program Coordinators earn $55,000‑$70,000 annually, mid‑level Program Managers earn $70,000‑$95,000, and senior Directors command $95,000‑$140,000. Salaries vary by city cost of living and company size, but transparent ranges on jobtransparency.com give you a realistic benchmark.
What skills and certifications are essential for a successful career in Loan Forgiveness?
Core skills include financial modeling, data analysis, and regulatory compliance. Certifications such as Certified Public Accountant (CPA), Certified Fraud Examiner (CFE), Certified Financial Services Counselor (CFSC), or Certified Loan Officer (CLO) boost credibility. Proficiency in SQL, Power BI, and knowledge of federal statutes like the Tax Code §22 and the Federal Student Aid Act are highly valued.
Is remote work common in Loan Forgiveness positions?
Yes—about 60% of posted roles allow full remote work, 30% offer hybrid schedules, and only 10% require on‑site presence. Tech firms driving loan‑repayment platforms typically provide remote‑first policies, making it easier to balance travel and home life.
What career progression opportunities exist within the Loan Forgiveness field?
A typical path starts with an entry‑level Policy Analyst or Program Coordinator, advances to Senior Analyst or Program Manager, then to Manager of Loan Forgiveness Programs, followed by Director of Student‑Loan Strategy, and ultimately Vice President of Financial Services or Chief Risk Officer overseeing all debt‑relief initiatives.
What industry trends are shaping the future of Loan Forgiveness jobs?
Key trends include expanding federal forgiveness programs, AI‑driven predictive analytics for repayment outcomes, blockchain for transparent loan tracking, integration of ESG metrics into eligibility criteria, and partnerships between fintechs and universities to automate forgiveness workflows.

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