Your AI Access sits inside your existing financial aid workflow as a routable, auditable line item. Students verify with their .edu email, funds route direct-to-vendor, and every dollar is tracked to the tool it powered. FERPA-respectful, closed loop, no cash-out.
P = W / t · power is work over time
W = F · d = ΔKE · work changes the state
U = m·g·h · potential waits for power
In 2026, the tools that do knowledge work (ChatGPT, Claude, Gemini and the rest) run $20 to $200 per month, per person. Textbooks cost less. Yet the AI tools are quietly becoming the difference between students who ship real projects and students who wait. If a school cannot fund AI access as part of cost of attendance, the gap widens by the semester.
You cannot underwrite something that can be cashed out. You cannot approve something you cannot audit. You cannot recommend something that leaves your students unprotected under FERPA. Your AI Access exists so you can say yes without those risks.
Your AI Access ships as a discrete, auditable line item on your student's aid package. It is not a stipend, not a cash disbursement, not a gift card. Students never touch the money. Funds settle direct-to-vendor, so the credit only ever pays a vetted AI company.
Rail B routes through the student's existing loan servicer (federal or private), just like a textbook charge on the aid package. Standard interest applies. On-time payments build the student's credit history like any installment loan.
We verify enrollment via .edu email domain match. We do not ingest student records. Our approved-tool contracts require providers to hold FERPA-covered content under school-official terms (34 CFR 99.31(a)(1)) or to store no student educational records at all. Full posture in our compliance brief.
Every issuance, redemption, and expiration writes to your school's XODIAK ledger view. Filter by cohort, program, term, or scholarship line. Export to CSV, or hit the ledger API from your BI tool. Zero session-content leakage, just spend and outcome rollups.
Fund a term, upload a roster CSV, done. Or wire up the org-issue-credits endpoint into your SIS to auto-issue on enrollment. Or let students self-provision when they log in with their .edu.
Zero platform fee. Zero per-seat license. School pays only face value of credits issued, plus payment rail costs. Our program margin (3% for institutional volume) applies only to direct-pay retail purchases, not to school-funded issuance.
For the financing rail (Rail B), lender-side interest goes to the servicer, and the school incurs no cost. Financing partners share a small referral back to the program to keep the lights on. Fully disclosed in the pilot MSA.
