42 Providing a web site featuring technology that enables users to optimize student loan payments, manage loan debt, obtain personalized financial information and advice, prepare and manage personal financial budgets, submit applications for loans and financial assistance and to make loan payments online; Software as a service (SAAS) services featuring software for optimizing student loan payments, managing loan debt, obtaining personalized financial information and advice, preparing and managing personal financial budgets, submitting applications for loans and financial assistance, and for making loan payments online