Edly analyzes the historical data of schools: starting salaries of graduates, certification exam results, student loan default rates and more to create a select list of universities that Edly supports. Edly then evaluates each student based on factors including credit history, school, major and degree to come up with an IBR offering that is both affordable for students and an impactful investment. On a monthly basis, investors receive proceeds collected by its third-party contract servicers in the previous calendar month.

1% of the initial investment amount per year for two years, plus 4% of cashflows. Edly will also charge investors all of the out of pocket expenses relating to the management of the account up to 5% of cash returned to investors.

Alternative investing involves a relatively high degree of risk. Edly takes steps to minimize those risks. For example, Edly invests in actual student contracts, seeks collections from students via a professional servicer, and conducts thorough underwriting processes prior to investing.