Alternative credit scoring services; credit risk management tools and consultation services, namely, assistance with analyzing future repayment ability; providing advice and consultation in the field of credit scores (or lack thereof) and providing projections of future earnings and discretionary income; Providing an adaptive and holistic correlation between academic success, future earnings and student debt performance; financial analysis and consultation; financial information provided by electronic means addressing risk management and consultation on future repayment ability; Providing consumer financial information by electronic means, featuring actual and forecasts of future repayment ability derived from credit reports , direct user inputs, syndicated reports, payment behavior, and analysis of relevant events disclosed in consumer credit reports ; Providing information regarding how credit scores are affected by past, present and future debt obligations; helping in analyzing credit risk and informing on loan quality and suitability for guarantees by third parties through co-signing or co-borrowing, especially in student lending; Providing supplementary risk assessment tools to private lenders, mortgage lenders, insurance companies, utility companies, landlords, and collection agencies, namely, assistance with determining acceptable risks when evaluating loan applications with thin credit histories and those lacking cosigners