Contributions are currently made on a P2P level, but, to create a starting point for benefactors and volunteers to assess what may be a reasonable ask, we combined several combined several aspects of the current charity model to create a 'Suggested Contribution Value' that may best benefit all involved parties if selected for use. To do this, we started by combining the IRS’s value of one hour of volunteer time [currently assessed at $25.43 per hour], with the average 36.9% of contributions that are lost to overhead through the traditional Charity model and arrived at a Suggested Contribution Value of $34.81 per hour.

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.