A method for investing in student debt based on a specific student candidate's predicted future earnings which comprises the steps of assessing information stored in a database relating to an academic program in which the student is, was or will be enrolled in, assessing the student's academic, professional and economic potential based on information stored in a database relating to qualifications, and combining the assessments of the academic program and the student's potential to create a metric represents the desirability of the student's debt as an investment. The method is preferably executed by a computer program installed in a computer having a processor and a memory where the computer is able to store data relating to an assessment of the said academic program as well as the specific student's credentials.