financial management and planning for educational institutions, borrowers and lenders; financial counseling in the field of college student financial aid; providing and on-line computer database in the field of college student financial aid; providing financial aid information and student loan budget calculating services for students, prospective students and former students over the Internet; loan financing for college students; security services, namely guaranteeing loans for college students; on-line student loan application and financial management loan system that allows borrowers to apply for loans on-line, obtain loan status and debt information; college student financial aid program management and administration assistance for colleges and universities; financial management and planning for educational institutions, borrowers and lenders; financial assistance, namely financial consultation and financial services in the field of money lending for educational institutions, borrowers and lenders