Student Jubilee is a social enterprise; it is in business to service its members not to reap big winnings. Also, a quick reality check: it's ok not to make big profits. Wikipedia and Kiva and many other cool new projects are free from the burden of big profits. Operating costs are covered by the annual flat service charge and by a small percentage of the loans sold to the secondary market. Here’s the news: finance does not need compounding interest. Interest is a lie we’ve accepted because until now there was no alternative. When we buy a sweater or bicycle we do not pay the price over and over again for the next couple decades so why should be do so with money?