{
  "@context": "https://koinonlink.com/schema/creator/v1.3",
  "@type": "Creator",
  "schema_version": "1.3",
  "id": "koinon:creator:tiktok_thecollegeinvestor",
  "url": "https://koinonlink.com/kol/tiktok/thecollegeinvestor",
  "alternate": {
    "html": "https://koinonlink.com/kol/tiktok/thecollegeinvestor",
    "json": "https://koinonlink.com/kol/tiktok/thecollegeinvestor.json",
    "markdown": "https://koinonlink.com/kol/tiktok/thecollegeinvestor.md"
  },
  "identity": {
    "display_name": "The College Investor",
    "handle": "thecollegeinvestor",
    "platform": "tiktok",
    "platform_url": "https://www.tiktok.com/@thecollegeinvestor",
    "website": null,
    "country": "US",
    "country_name": "United States",
    "location_text": null,
    "entity_type": "creator",
    "person_id": null,
    "person_id_note": "Cross-platform identity not resolved for this creator.",
    "other_accounts": [],
    "claimed": false,
    "claimed_note": "Not claimed. This says nothing about the creator — most profiles are simply not claimed yet.",
    "declared_accounts": []
  },
  "first_party": null,
  "reach": {
    "followers": 98736,
    "following": 937,
    "posts_total": null,
    "posts_observed": 17,
    "account_age_days": null,
    "posts_per_day": null,
    "verified": false,
    "size_tier": "koc"
  },
  "engagement": {
    "status": "not_collected",
    "engagement_rate": null,
    "engagement_rate_basis": null,
    "posts_in_average": null,
    "avg_views_per_post": null,
    "peak_post_engagement_rate": null,
    "avg_interactions_per_post": null,
    "best_post_interactions": null,
    "measurement_source": null,
    "measurement_formula": null,
    "comparable_pool": null,
    "status_note": "Engagement has not been collected for this creator yet. This is a gap in our collection, NOT a statement that the creator has no engagement. Follower count is known, so it is measurable.",
    "unit_note": "engagement_rate and peak_post_engagement_rate are ratios (0-1); avg_interactions_per_post and best_post_interactions are absolute counts. Read status before reading any number: a null rate has several different causes and status says which one applies here."
  },
  "content": {
    "bio": "",
    "topics": [
      "Student loan repayment plans and forgiveness programs",
      "Financial aid, FAFSA and scholarships",
      "College costs, saving and investing for education",
      "Education policy and Department of Education updates",
      "Loan servicer issues and borrower rights"
    ],
    "topics_en": [
      "Student loan repayment plans and forgiveness programs",
      "Financial aid, FAFSA and scholarships",
      "College costs, saving and investing for education",
      "Education policy and Department of Education updates",
      "Loan servicer issues and borrower rights"
    ],
    "topics_zh": [
      "学生贷款还款计划和减免项目",
      "助学金、FAFSA 和奖学金",
      "大学费用、教育储蓄和投资",
      "教育政策和教育部最新动态",
      "贷款服务商问题和借款人权利"
    ],
    "category": "finance",
    "category_label": "Finance",
    "subcategory": "personal_fin",
    "subcategory_label": "Personal finance",
    "category_confidence": 0.95,
    "category_source": "derived_from_recent_content"
  },
  "audience": {
    "status": "present",
    "status_note": null,
    "description": "Student loan borrowers, recent grads, and parents saving for or paying college costs, focused on repayment, forgiveness, and financial aid navigation",
    "roles": [
      "consumer"
    ],
    "seniority": "consumer",
    "pain_points": [
      "Navigating frequent changes to repayment plans like SAVE, PSLF, IBR and RAP",
      "Dealing with servicer errors, application glitches and delayed notices",
      "Avoiding mistakes that disqualify them from forgiveness or optimal aid",
      "Understanding eligibility rules and timelines for new policies or plans"
    ],
    "posts_analysed": 80,
    "confidence": 0.9
  },
  "commercial": {
    "audience_buyer_fit": 0.3,
    "promotion_intent": 0.1,
    "open_to_collaboration": false,
    "contact": null,
    "contact_note": "Koinon does not publish creator contact details."
  },
  "quality": {
    "authenticity_score": 57,
    "authenticity_basis": "profile_shape_only",
    "authenticity_method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
    "authenticity_comparable_across_platforms": false,
    "credibility_score": 57,
    "credibility_note": null,
    "flagged_for_review": false,
    "flag_reasons": [],
    "anomaly_flags": [],
    "koinon_bd_grade": {
      "value": "C",
      "scale": [
        "A",
        "B",
        "C",
        "quarantine",
        null
      ],
      "value_meanings": {
        "A": "Strong fit for Koinon partner outreach.",
        "B": "Moderate fit.",
        "C": "Weak fit, or never scored.",
        "quarantine": "Flagged for manual review. Excluded from Koinon published statistics, but creator search still RETURNS these profiles unless you pass exclude_anomalous:true — check quality.flagged_for_review.",
        "null": "Never scored."
      },
      "measures": "koinon_partner_outreach_fit",
      "basis": "koinon_bd_fit_and_engagement",
      "formula": "fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "comparable_across_platforms": false,
      "interpretation": "NOT a quality score and NOT fit for your campaign — it grades Koinon own partner-outreach interest in gaming, e-commerce and software. A \"C\" usually means \"outside those industries\" or \"not yet scored\".",
      "explained_at": "https://koinonlink.com/for-ai#koinon_bd_grade"
    },
    "interpretation": "Signals for triage, not verdicts. A flag means the profile is worth a manual check."
  },
  "evidence": [
    {
      "evidence_id": "tiktok_thecollegeinvestor#1bcf8131",
      "type": "creator_content",
      "excerpt": "Replying to @AuntieTeesh PSLF qualifying payments, timing, and autopay. #studentloans #studentloanforgiveness #pslf",
      "source_url": "https://www.tiktok.com/@thecollegeinvestor",
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#43fbc1ca",
      "type": "creator_content",
      "excerpt": "original sound - thecollegeinvestor",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#bcbf9dd9",
      "type": "creator_content",
      "excerpt": "It is a becoming a big trend on TikTok now! Click here: studentloans",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#0907c873",
      "type": "creator_content",
      "excerpt": "Check out The College Investor’s video! #TikTok >",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#bc33725c",
      "type": "creator_content",
      "excerpt": "Replying to @Lisscarrx3 Here is the income that is used to calculator your student loan payment. #studentloans #studentloanforgiveness #pslf",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#89c5fb5c",
      "type": "creator_content",
      "excerpt": "Bill Gates wrote an article where he highlights his three biggest fears about AI and education and the future of our kids is a big part of it.",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#cebe8e83",
      "type": "creator_content",
      "excerpt": "Make sure you align your student loan repayment plan with your overall financial strategy and goals #studentloans #studentloanforgiveness #pslf",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    },
    {
      "evidence_id": "tiktok_thecollegeinvestor#e11b896c",
      "type": "creator_content",
      "excerpt": "FAFSA is coming for the 2027-2028 academic year, and it appears like it will open early",
      "source_url": null,
      "source_url_note": "Koinon retains one profile-level source URL, not a per-post URL for each excerpt."
    }
  ],
  "provenance": [
    {
      "field": "audience.description",
      "source_type": "ai_inferred",
      "confidence": 0.9,
      "freshness_days": 29,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.roles",
      "source_type": "ai_inferred",
      "confidence": 0.9,
      "freshness_days": 29,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "audience.seniority",
      "source_type": "ai_inferred",
      "confidence": 0.9,
      "freshness_days": 29,
      "method": "llm_persona_from_recent_content",
      "note_ref": "llm_persona_from_recent_content"
    },
    {
      "field": "commercial.audience_buyer_fit",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer",
      "note": "Relative signal within Koinon indexing, not a market-wide score."
    },
    {
      "field": "commercial.promotion_intent",
      "source_type": "ai_inferred",
      "confidence": 0.6,
      "freshness_days": 0,
      "method": "llm_scorer"
    },
    {
      "field": "quality.anomaly_flags",
      "source_type": "heuristic",
      "confidence": 0.5,
      "freshness_days": 3,
      "method": "profile_snapshot_and_engagement_ratio_heuristic",
      "note": "Means \"worth a manual check\", NOT confirmed fraud. Flags can be wrong and are not a verdict about the person."
    },
    {
      "field": "quality.authenticity_score",
      "source_type": "heuristic",
      "confidence": 0.25,
      "freshness_days": 0,
      "method": "Profile-shape heuristic from a single snapshot (follower count, following ratio, account age, posting volume, verification), reduced for engagement red flags where post engagement was collected. Where only a follower count is available the score saturates at 58.",
      "note": "The input set differs by platform; do not compare this score across platforms."
    },
    {
      "field": "quality.koinon_bd_grade",
      "source_type": "ai_inferred",
      "confidence": 0.5,
      "freshness_days": 3,
      "method": "llm_partner_fit_classifier + fit_score >= 0.6 AND authenticity >= 60 => A; fit_score >= 0.4 AND authenticity >= 45 => B; else C. authenticity < 30 or a promotional-pattern flag => quarantine.",
      "note": "Koinon partner-outreach fit, not creator quality."
    },
    {
      "field": "reach.followers",
      "source_type": "observed",
      "confidence": 0.95,
      "freshness_days": 3,
      "method": "platform_profile"
    }
  ],
  "method_notes": {
    "llm_persona_from_recent_content": "Computed from posts read live at analysis time; those posts are NOT retained. The excerpts in evidence[] are separately collected profile content and are NOT the inputs to this inference. Do not cite them as its supporting evidence."
  },
  "freshness": {
    "profile_checked_days_ago": 3,
    "content_analysed_days_ago": 0,
    "audience_updated_days_ago": 29,
    "generated_at": "2026-09-03T16:23:06.821Z"
  },
  "retrieval": {
    "indexing_requests": 1,
    "user_triggered_requests": 0,
    "last_user_triggered_day": null,
    "note": "Being indexed in bulk is not the same as being retrieved to answer a question."
  },
  "relationships": {
    "platform_entity": "https://koinonlink.com/creators/tiktok",
    "category_entity": "https://koinonlink.com/product-category/finance"
  },
  "license": {
    "terms": "https://koinonlink.com/for-ai",
    "attribution": "Koinon Link",
    "claim_url": "https://koinonlink.com/claim?k=tiktok_thecollegeinvestor",
    "removal_url": "https://koinonlink.com/claim?k=tiktok_thecollegeinvestor"
  }
}