By utilizing a 5% overhead model for operational costs, this value could enable those with existing student loan debt to reduce their average monthly payment of $280 to only $15.42 by providing 2 hours of service to a charitable cause each week – or a total of 8 hours each month – all while reducing the overhead costs of the traditional charity model by 31.9%. In addition, by contributing 2 hours of volunteer service each week over the average 4-years spent in the higher education, this would not only alleviate 33% of their educational expenses incurred before graduation, but also reduce the duration of their loan repayment by 9 years without any additional out-of-pocket funding through the reduction interest accrued through the course of their loan deferment.