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Competitive Analysis - Ceannate

Cennate, founded in 1993, is a leading BPO service provider for government, private, and affiliated sector. Balaji Ranjan is the President and the CEO of the Illinois-based company. The company aims to provide the key financial expertise needed in the education sector in the US. It has following competitors :

1. SoFi
2. LendKey

The competitive analysis of all these companies including their key products, strengths, weaknesses, and general media coverage have been deeply covered and presented in the attached Google Slides.

Note: The strengths and weaknesses of the companies have been sourced from the customers' reviews on the official websites, as well as other reviewing websites available in the public domain.
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App-enabled Student Loan Products

Student Loans are a major issue, with the average student now graduating $37,172 in debt. While there do not seem to be apps designed to facilitate applying for student loans, there are a raft of applications designed to facilitate paying student loans. While there are some apps that offer advice or assistance on paying down student debt, a review of the top one hundred student loan apps (based on the number and quality of reviews) indicates that there are not any loan apps offering coaching to help students succeed in school. A review of the most relevant apps in terms of popularity and the level of financial coaching available can be found in the attached slides. In this overview I'll first go through the research method used, then summarize our findings.


We began by examining student loan mobile apps, to see if any offered coaching for students to help them succeed in school. A review of the most reviewed student loan related apps in both the App Store and on Google Play, as well as lists of student loan apps from both USA Today and Black Enterprise , revealed no student loan apps which offered coaching designed to help students succeed in school. We then examined top educational apps, and searched for programs offering college students coaching to see if any of them had stsudent loan related products, however none did. In your request you noted that such apps might not exist - we can confirm for you that they do not.

We did however find a handful of student loan apps which offer financial and loan related coaching to students, and it is these that this brief, and the slides attached to it, will focus on. We found five student loan apps which offer some form of financial coaching, albeit somewhat broadly defined, in the United States: Navient, LearnVest, Student Loan Hero, ChangEd, and ionTuition. These apps aim to help students and graduates pay off their loans, and provide either personal or digital coaching to facilitate that aim.

the apps

LearnVest and ionTuition provide actual personal coaching available via their app or website to students aiming to pay off their debt, along with a suite of tools to help students understand their debt as well as various repayment options. ionTuition also provides a range of articles and curated videos to improve its users' financial literacy. Navient similarly provides a financial literacy course to its borrowers, as well as allowing them to see their balance and make payments via the app. Student Loan Hero allows students to view a range of student loans in one place, as well as tracking payments, and provides tools for calculating different repayment plans and comparing lenders. Finally, ChangEd analyzes its users spending based on debit and credit card statements, and based on this provides and automates strategies for loan repayment. All of these apps, and the media coverage of them, are covered in considerably more detail in the the attached slides.


Extensive searching revealed that there are no app-enabled student loan products which also offer coaching aimed at helping students succeed in school. However, a few student loan apps do provide coaching for financial strategies, especially LearnVest and ionTuition. Navient, Student Loan Hero, and ChangEd also provide less personal coaching to students in various forms, alongside more standard student loan app functionality. We have examined each of these apps as well as their media coverage in greater detail in the attached slides.

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App-enabled Mental Health Services

There are three main mental health apps directed towards college students in the U.S. that are currently available today. Though there are a number of other possibly applicable apps, these are either still in development or target other demographics. The available apps include Bliss: Harvard Mental Health, SafeUT, and StudentLife.


Bliss: Harvard Mental Health is an app that focuses on available mental health resources on the Harvard campus. The app won first place at Harvard's Great Mobile Appathon, a national competition where students have 24 hours to build an inventive and unique app.

The app provides information on news articles and organizations focused on mental health, access to peer counseling groups, and a list of mental health-focused events and panels held on the Harvard campus.

Bliss: Harvard Mental Health is a free app available on the iTunes App Store and Google Play.


The SafeUT Crisis Text and Tip Line was developed by a team at The University of Utah's Neuropsychiatric Institute to provide a form of crisis intervention across the state. Originally, this app was meant for high school students experiencing "emotional crises, bullying, relationship problems, mental health or suicide related issues," according to the university, but it has expanded to reach college-aged students as well.

Students are able to send confidential tips to administrators regarding any problems they may be experiencing in school. They also have access to trained therapists and licensed social workers, who work 24/7 through the anonymous app to provide support relating to depression, anxiety, bullying, drug and/or alcohol abuse, and any other struggles the student might be dealing with at the time.

While suicide is the primary cause of death among Utah residents between the ages of 10 and 17, it has reported that this app may be responsible for a 20% decrease in youth suicide attempts statewide, with tens of thousands of students accessing the app in the first year since its release.

SafeUT is a free app available on the iTunes App Store and Google Play.


StudentLife was created by researchers at Dartmouth University to see how levels of stress, happiness, and depression can affect academic performance. It compiles data by continuously measuring sleep habits, physical activity, number and length of conversations the app user has throughout the day, and self-assessments on mood. Using computational methods and algorithms, the app is able to use automatic sensing data to collect this information.

Though there are concerns about privacy with this app, findings have already been discovered that could help students with their academic and emotional performance, including correlations found between social activity and feelings of happiness, which correlates to positive academic performance.

The developers wish to update the app in the future to include feedback and intervention options, including the ability to warn students of the risks of partying too much, poor sleeping habits, and lack of social activity.

StudentLife is a free app available on Android devices.


Though the only media coverage Bliss: Harvard Mental Health received was due to the app winning the Great Mobile Appathon, SafeUT and StudentLife received an exorbitant amount of media coverage. The media primarily reports on what the app does and how it can help students, and both SafeUT and StudentLife have received overwhelmingly positive reviews from the media.


In conclusion, there are three main apps that focus on mental health services for college students: Bliss: Harvard Mental Health, SafeUT, and StudentLife. All of these apps are free and easily accessible to students. Bliss: Harvard Mental Health focuses on mental health resources and events on the Harvard campus. SafeUT provides 24/7 access to trained therapists and social workers for students suffering from bullying, depression, anxiety, and any additional life problems. StudentLife uses automatic sensing data to analyze data on a student's lifestyle and mood habits in relation to their academic performance. Though there have been reports of concern relating to privacy with the use of the StudentLife app, the media has generally expressed positive reviews of all three apps.

A slideshow of this report can be found at the following link: https://docs.google.com/presentation/d/1rEuXPpYNHpIkDfQnQYDcRanaPHLAj_hJXFJXs7gSWFQ/edit?usp=sharing

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