A social finance network for college students and post-grad users who have accumulated debt, student loans and school related debt. The network being accessed through a client device, where the user is brought to a platform that contains their user profile, loan servicer info adjoined to the user profile, employment benefit information adjoined to the user profile, credit card info adjoined to the user profile. A profile on the social finance network uses a client device to access a suite of debt repayment applications, send payment directly to a loan servicer, host a student debt crowdfunding campaign, send money to another user profile on the network, direct message with other user profiles, purchase products through a credit card for a debt repayment rebate, debt management and payment breakdown of user profiles student debt, businesses offering debt repayment solutions on the social finance network, creation of a credit card with debt repayment incentives exclusively created in partnership with third party credit card companies.