Providing online non-downloadable software for promoting the goods and services of others through the administration of discount, rebate, incentive awards, and customer loyalty programs, allowing for the administration of a plan to pay down the costs associated with higher education debt, providing information on the subject of financing higher education, allowing for the administration of employer-provided benefit plan to repay higher education debt, allowing for the administration of sponsorship programs that incentivize consumers to purchase goods and services of others in exchange for rewards that pay down higher education debt, and providing bill payment services, namely, providing borrowers an option to aggregate information on their student loan debt with an additional option to make direct payments against their student loan debt

Promoting the goods and services of others through the administration of discount, rebate, incentive awards, and customer loyalty programs; Promoting the use of credit cards and debit cards that allow users to redeem earned rewards points to reduce loan debt; Promoting the goods and services of others by developing, implementing, and administering a program for sponsors to affiliate their goods and services with a rewards program that incentivizes consumers to purchase goods and services of others in exchange for rewards that pay down the costs associated with higher education debt

Providing and administering a plan to pay down the costs associated with higher education debt, namely, loan repayment services; providing information via the internet on the subject of financing higher education; employee benefit services, namely, administration of employer-provided benefit plan to repay higher education debt; Bill payment services, namely, providing borrowers an option to aggregate information on their student loan debt with an additional option to make direct payments against their student loan debt; Financial services, namely, providing a virtual currency for use by members of an on-line community via a global computer network; Electronic payment processing services in the field of higher education loan payments; payment processing services in the field of higher education loan payments accessible by means of a downloadable mobile application

Providing online non-downloadable software for promoting the goods and services of others through the administration of discount, rebate, incentive awards, and customer loyalty programs, allowing for the administration of a plan to pay down the costs associated with higher education debt, providing information on the subject of financing higher education, allowing for the administration of employer-provided benefit plan to repay higher education debt, allowing for the administration of sponsorship programs that incentivize consumers to purchase goods and services of others in exchange for rewards that pay down higher education debt, and providing bill payment services, namely, providing borrowers an option to aggregate information on their student loan debt with an additional option to make direct payments against their student loan debt