You’ve got questions. Nitro has answers.

Paying for a college education is a complicated decision that has lasting implications. It’s a huge responsibility on the shoulders of our teenagers that can have potentially negative effects on their financial future. Whether providing incoming freshmen and their parents with the tools needed to navigate college financing, steps to minimize debt, or providing scholarships to students in need, we are honored to guide students along their educational journeys.



Jim Stewart

CEO & Co-founder

Jim co-founded Nitro with the goal of creating better opportunities for student loan borrowers. Jim has a history of helping young adults advance their careers. One example is his creation of one of the first nonprofit coding schools in the country, Zip Code Wilmington. A second is his experience as a board member at the Delaware State University.


Ben Brake

President & Co-founder

Ben is president of Nitro. With over 25 years of financial services experience and nearly a decade of working with students from financially distressed communities, he’s dedicated to ensuring that student loan borrowers have access to the best options in the marketplace.


Mike Brown

Managing Director

Mike is responsible for the editorial and marketing direction of Nitro. He has a history of helping people thru his educational background – first as a teacher at the Pennsylvania State University and then thru 15 years of development and marketing of education programs.

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 is a free website designed to help students and their families evaluate how to responsibly pay for their college education. Before recommending any services we put lenders thru a vetting process that includes: the competitiveness of rates, repayment options and terms, any discounts offered, any fees or penalties to be aware of, responsiveness to customers and applicants, and the lenders overall reputation and history. Nitro is not a lender and is not involved in the private student loan approval process, nor do we make credit related decisions. The lenders profiled on our site are the ones who will issue and approve your private student loan applications. We will sometimes earn a fee for recommending various products and services to you. Actual interest rates may vary depending on your credit score, income, savings, type of degree, and whether you apply with a cosigner. Here at Nitro we strive to provide the most up-to-date information, but you should always check with individual lenders for current rates, terms, and conditions before applying for private student loans.