Your AI Access is a student aid program. Sign in with your school email, pick how you want the tools funded, and start using them. Every session is logged, every dollar is auditable, and nothing ever converts to cash.
P = W / t · power is work over time
W = F · d = ΔKE · work changes the state
U = m·g·h · potential waits for power
Your .edu (or equivalent institutional) email is the entry key. It verifies you are enrolled, and it ties your account to your school's aid office if they participate in the program. No transcripts. No forms. About ten seconds.
Adults enrolled in trade schools, workforce programs, and continuing education can use their institution's email too. The domain does not have to end in .edu, it just has to belong to a recognized educational institution.
Three rails, all closed loop, all auditable. Pick the one that fits your situation.
Pay from your own card or bank account. Face value plus payment processing plus a small program margin, published on checkout, never surprise. No approval needed, no aid office involved. Use this if you just want access without touching the aid channel.
If your school participates, Your AI Access shows up as a discrete, auditable line item on your cost of attendance. Your existing loan servicer (federal or private) funds the line item just like a textbook charge. Standard loan interest applies. Money never touches your bank account, it goes straight from the servicer to the AI provider. Your on-time payments build credit history like any other installment loan.
A donor, a school, or an employer has pre-funded credit for you. You get a link, sign in, and the credit is already there. Tax-deductible for the donor. Auditable for everyone.
Every session routes through Your AI Access. When you launch ChatGPT, Claude, Gemini, or any other approved AI tool from your dashboard, the credit is debited in real time. The provider sees a Your AI Access account holder, not a raw invoice from you. The tool works normally, no watermark on your work, no branded overlay. It just works.
The credit only ever pays a vetted AI company. It cannot be transferred to your bank. It cannot be spent on anything other than approved advanced intelligence tools. This is what schools, aid offices, and lenders need to see before they will underwrite the line item, and it is what makes the program work.
Every dollar in, every dollar out, every session, every provider, every scholarship gift, every loan drawdown writes an append-only row to our XODIAK ledger. The ledger is exportable on demand to your aid office, your loan servicer, or the IRS if a donor asks for a receipt. Buyers, providers, and organizations all get a single source of truth for reconciliation.
You can export your own activity too. If you want to hand your career center a proof-of-usage report for a portfolio, one click.
No. Your AI Access is not a lender. Rail B is financed by your existing student loan servicer (federal or private) that already sits on your aid package. We just make the AI tools a routable line item in that package. Where we do offer direct financing options in the future, they will be through licensed lending partners, disclosed clearly, and never in place of federal aid you already qualify for.
Yes. Financed line items on a student loan package are reported to the credit bureaus like the rest of the loan. On-time payments build history, missed payments hurt it, same as any installment credit. Rail A (direct pay) does not report to bureaus. Rail C (scholarship) does not report to bureaus.
The AI tools see a Your AI Access account holder with an active credit. They do not see your school records, your GPA, your major, or anything else FERPA protects. Your school sees an enrollment verification and a usage rollup, no session content.
Yes. A single credit is redeemable across every approved provider in the network. Spend some at Provider A, the remaining balance sits ready for Provider B next time.
Unredeemed balance is automatically re-issued as credit at any remaining provider. You are never left holding a dead balance.
Direct-pay credits are refundable for 30 days if unused. Financed line items follow your loan servicer's disbursement rules. Scholarship credits are non-refundable to the donor once claimed, since the donor already took the tax deduction.
Right now, yes. We are focused on U.S. Title IV eligible schools and workforce programs for the first cohort. International schools with a comparable aid rail can pilot with us, contact us.
