4HI is committed to giving students a real world, hand-on approach to money management.


The signature initiative of 4HI is running a peer-to-peer (P2P) loan portfolio. The P2P market is a rapidly growing provider of small consumer loans.  We are able to create a diversified portfolio of debt using individual loans of as little as $25 each (compare that to a $5,000 round-lot in the bond market).

We currently have an investment account with Lending Club and Prosper; the two main companies that offer these peer-to-peer loans.

Each year’s group of students writes its own investment guidelines based on past experience.

In addition to being financial managers, student members gain the experience of running a non-profit organization.