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Next Year's Top 20 Startups

Next Year's Top 20 Startups

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Social Finance, Inc. (San Francisco)

Operating under the name SoFi, this startup is trying to open new lending avenues for MBA students, by connecting student and graduate borrowers with alumni investors. It's a crowdfunding method the company says offers lower fixed rates than federal and private loans.

(VC funding raised in 2012: $77.2 million)

Photo: Sofi