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Cycle Alignment Calculator
Calculate the Δ (decoupling) and Λ (alignment) operators—measure how well funding aligns with beneficiary lifecycle needs.
Lifecycle Configuration
Students need funds during study, capacity comes after graduation
Δ Decoupling
100
High mismatch
Λ Alignment
0%
Poor fit
Financial Stress Years
Traditional Loan
8 years
PSC Model
0 years
Need vs Capacity Over Time
PSC Demand vs Capacity
PSC's pay-forward expectation aligns with capacity growth, minimizing stress periods.
Alignment Capital Insight
The Education (Student) lifecycle has a Δ (decoupling) of 100— indicating significant timing mismatch between when support is needed and when repayment capacity exists. Traditional loans demand repayment immediately, creating 8 years of financial stress. PSC's pay-forward model waits until capacity develops, reducing stress to 0 years. This is why PSC achieves a Λ (alignment) score of 0%.