An A77 Inc. Project
Pay My Student Loans
An ad-funded platform that pays off real student loans. Businesses rent grid squares, and 77 cents of every dollar goes directly to freeing someone from student debt — publicly, transparently, one person at a time.
The Problem
Student debt in Canada is a growing crisis. The average Canadian graduate leaves school with approximately $28,000 in student loans, and it takes an average of 9.5 years to pay them off. For many, the real number is much higher — and the burden follows them into their 30s and 40s, delaying home ownership, family planning, and financial independence.
With tuition costs rising faster than inflation and the cost of living squeezing graduates harder each year, the number of Canadians carrying student debt is projected to grow significantly over the next 5 years. The system is not designed to help them pay it off faster. PMSL is.
The Mission
PMSL was built on a simple idea: every business needs advertising, and every ad dollar can do more than just sell a product — it can change someone's life.
The homepage displays a grid of advertising squares. Businesses rent squares to display their brand. The revenue from those rentals is split transparently and predictably. The majority goes directly to a loan fund that pays off student debt for approved applicants. Above the grid, a live progress bar tracks how much has been raised toward the current recipient's loan balance. When the bar fills up, the loan gets paid and the next person in the queue moves up.
No middlemen. No hidden fees. Every transaction is public on the transparency page.
Beyond Student Loans
Student loans are the first mission — not the only one. A77 Inc. is exploring turning PMSL into a mission-supporting platform after the beta launch, if adoption is strong (which we hope it will be).
The idea is simple: the same ad-funded model that pays off student debt can be redirected toward other urgent social causes. As the platform evolves, the funding mission will change based on real-world need — and the community will have a voice in deciding what comes next.
A77 plans to open mission selection to public voting, allowing the PMSL community (advertisers, applicants, and the public) to identify and vote on the next mission the platform should tackle. This could include medical debt, housing insecurity, small business grants, or other causes where transparent, ad-funded relief can make a measurable difference.
For now, the focus is 100% on student loans. But the infrastructure is being built to scale beyond a single cause.
The 77 / 20 / 3 Split
Every dollar of ad revenue is allocated the same way, every time. No exceptions. No discretionary spending. The split is hard-coded into the platform.
How It Works
For Viewers
Visit the homepage and watch the progress bar fill up in real time. Every square on the grid is a business contributing to someone's freedom from student debt. You can see who's being funded, how much has been raised, and who's next in the queue — all on the transparency page.
Share the page. Tell a friend. Every pair of eyes on the grid makes advertising more valuable — and more loans get paid.
For Advertisers
Create an account, pick squares on the grid, upload your ad creative, and pay via Stripe. Your brand appears on the grid immediately. Standard squares start at $25/month; premium center squares at $50/month. Multi-square and longer-term discounts are available. 77 cents of every dollar you spend goes to the loan fund.
Innovator's Club advertisers lock in discounted pricing during the launch window. All ads are subject to the content policy.
For Applicants
Submit an application with your loan details, documents, and story. Your application is reviewed, verified, and scored based on published criteria. If approved, you enter a queue. When you reach the front, ad revenue funds your loan directly through your loan servicer — up to a $15,000 cap.
You never receive cash. Payments go straight to your servicer. One application per lifetime. Quarterly verification is required while in the queue. Read the full eligibility requirements.
About A77 Inc.
Pay My Student Loans is built and operated by A77 Inc., a Canadian innovation studio based in Toronto, Ontario. A77 designs and ships products that put accountability where companies usually keep margins. PMSL is one of those products — a public, ledger-backed advertising platform with a fixed revenue split that directs the majority of income to retiring real student debt.
PMSL is not a separate legal entity, charity, non-profit, or crowdfunding platform. It is a project of A77 Inc. The 20% operations allocation funds platform development, infrastructure (Vercel, Supabase, Stripe, Resend), administrative time, and the compliance work required to make sure every dollar that flows through the platform is visible on the public ledger.
Every transaction, disbursement, and recipient is visible on the transparency page. A77 does not retain any portion of the 77% loan-fund allocation.
Frequently Asked Questions
Is PMSL a charity?
No. Pay My Student Loans is a for-profit project operated by A77 Inc. It is not a registered charity, non-profit, or crowdfunding platform. Revenue comes from advertising, and the majority (77%) is allocated to the loan fund through a published, auditable split.
Is my ad purchase tax deductible as a donation?
No. You are purchasing advertising space, not making a charitable donation. You may be able to deduct the expense as a business advertising cost — consult your accountant.
How are recipients selected?
Applicants are scored on income-to-debt ratio, loan balance, repayment time, life circumstances, and story quality. The full scoring criteria are published on the transparency page. Applicants are funded in queue order based on their total score.
What content is allowed on the grid?
Business advertisements only. Prohibited categories include: payday lenders, gambling, cannabis, political ads, adult content, cryptocurrency/NFT, MLM/network marketing, and hate speech. A77 reserves the right to reject or remove any ad at its sole discretion.
What is the funding cap?
Each recipient can receive up to $15,000 CAD toward their student loans. If their total balance exceeds $15,000, they will be partially funded (marked as "tapped out") and the remaining balance is their responsibility.
How many people are funded at a time?
PMSL funds up to 3 recipients simultaneously across active cohort slots. When one recipient is fully funded or tapped out, the next person in the queue moves into an open slot.
What are Drop 1 and Innovator's Club rates?
PMSL has three pricing phases. Drop 1 is the soft-launch tier — the first 5 brands get the lowest possible rates with monthly or 3-month terms. After Drop 1 closes, new rentals move to Innovator's Club rates (still discounted, all term options including annual prepay). After the Innovator's Club window ends, new rentals move to Standard rates. Existing rentals always renew at the rate the advertiser signed up at — phase transitions only affect new advertisers.
How long is a cohort?
A standard cohort runs for 60 days. During that window, ad revenue accumulates and is disbursed to active recipients. If a recipient is not fully funded within a cohort, they roll into the next one until their cap is reached or they are tapped out.
Can I choose who my ad funds?
No. All ad revenue enters a pooled loan fund and is distributed to recipients in queue order. Advertisers cannot earmark funds for specific individuals.
Can I apply more than once?
No. PMSL accepts one application per person, per lifetime. If your application is rejected, you may not reapply. This policy ensures fairness across all applicants.