Fintech Builders · 2026-03-31 · 17 min
Every year, more than half of private student loan applicants get declined. Not because they're unserious about their education - but because they narrowly miss a credit cutoff. For upperclassmen and grad students already deep into a degree, that rejection often means dropping out. Jen O'Donald spent 13 years at Sallie Mae, most recently running product, watching this gap go unsolved. So she built GradBridge to solve it - creating an entirely new category in student lending: the second look. In this episode, Jen breaks down what it actually takes to go from zero to live in heavily regulated fintech, how she managed a multi-stakeholder launch across a sponsor bank, servicing platform, and compliance stack, and why federal student loan policy shifts are reshaping the entire private lending market in real time.