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TFC Title Loans is excited to announce that we have chosen a recipient for their Financial Innovation Scholarship for the Fall 2017 semester. The $2,000 scholarship has been awarded to Andrew Ferrante, a Junior at Clemson University. Andrew is majoring in Finance and is currently and intern for United Mortgage Corporation as a Junior Sales Representative. TFC Title Loans was impressed with his essay. He demonstrated his knowledge of the subprime lending industry and mortgage market, as well as how they are related to the US economy and global market. He proposed that, in order to limit the consequences of subprime lending, the lenders should use a debt to income ratio of 1:3 to assess the reliability of the consumer and they should ensure the equity of the home is good. He also explained that the consumers should be willing to adapt an adjustable interest rate to motivate them to save money, make payment on time, and to better their credit. We wish him the best of luck in his remaining college career and all the years to follow.