Felipe Vergara received an MBA from Wharton, worked formerly as a McKinsey consultant, and has been passionate about access to higher education since he was young. Growing up in Colombia, he became acutely aware of educational inequality when a top student in his class was unable to attend university due to an inability to pay. Felipe realized the education financing market was inefficient, and that investment in the education of a high potential future worker would more than compensate for the educational cost. Years later, when Felipe met Miguel Palacios, who was perfecting the model for human capital contracts and human capital investments, this innovative model emerged and Lumni was born.