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Liberia Education Payment Plan Network (LEPN)

A community-based installment payment system that allows low-income families to pay school fees in 10–12 small monthly payments instead of lump sums, backed by a network of microfinance partners and school administrators who guarantee enrollment. Families register once, receive a payment schedule tied to their income cycle (harvest, wage day, remittance arrival), and schools receive guaranteed payment from LEPN within 5 days of enrollment—eliminating their cash-flow risk.

SERVICE

37 weeks • 70% confidence

Value Proposition

Eliminates the lump-sum payment cliff that keeps children out of school. Schools get paid on time and full enrollment commitment; families pay what they can afford when they can afford it. Beats faith-based subsidies because it's predictable, scalable, and doesn't depend on charity or religious affiliation.

Target Audience

Low-income families (earning <$2/day) in rural and urban Liberia with school-age children; primary schools and secondary schools facing enrollment gaps due to fee barriers

Key Features

  • Mobile-based or paper enrollment (SMS confirmation for low-literacy families)
  • Flexible payment schedules aligned to local income cycles (agricultural seasons, wage calendars, remittance patterns)
  • School dashboard showing enrolled students, payment status, and projected cash flow
  • And more, with full implementation detail...

Tech Stack

Mobile money APIs (Orange Money, Liquid Telecom) SMS gateway (Twilio or local equivalent) Basic Android app (low-bandwidth, offline-capable) Google Sheets or simple database for reconciliation
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Original Problem

Families in Liberia cannot afford quality education for their children

Low-income families in Liberia face a critical barrier to accessing education due to unaffordable school fees, forcing children out of school and perpetuating poverty cycles. Current education options are financially inaccessible to the majority of families, leaving them desperate for affordable alternatives. Faith-based and subsidized school systems are being welcomed as relief solutions, indicating an urgent, unmet need for affordable education access.

Score: 51.3%

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