A computer system for validating user data based on third party data includes a system configured to obtain data, from third party computer systems, such as academic institution computer systems and job agency computer systems, indicative of graduation, subsequent unemployment and reasonable job search by an insured, relating to claim payments to cover interest or interest and principal repayment on tuition debt for a period of time after a student graduates, subject to the student engaging in a reasonable job search, with insurability and pricing based on underwriting factors such as type of school attended, grade point average and area of study.