Correctly identifying student loans as a burden that hinders young graduates’ insertion in the job market, four Stanford graduates developed SoFi, a marketplace lender that provides low-interest credit primarily to early stage professionals. Besides student loan refinancing, SoFi also offers mortgages, personal and parent loans, all at lower rates than traditional creditors. SoFi’s CEO Mike Cagney found the opportunity to disrupt the traditional financial system during the 2008 mortgage crisis, when the disconnection between banks and communities became evident.