For Members · getstoken.org/how-it-works

Welcome in. Here's how it works — and why it's safe.

You're already a member. No waiting, no credit check, no bank details handed over. Here's what's running underneath, in plain language — and why we built it the way we did.

Welcome video — add link here

Four things that make this work

Everything else flows from these four.

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It's instant.

The moment you joined, your membership was real. No approval queue, no "we'll review your application," no waiting on a servicer. Your member card and account number existed in seconds.

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It's safe.

Your membership can't be faked, lost, or taken away from you — it's recorded permanently and only you control it. You never had to hand over your Social Security number, bank login, or sensitive financial details. There's nothing for anyone to steal.

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It's free — and it stays cheap to run.

Joining costs you nothing, and the system itself runs for a fraction of a cent per action. That matters: because our overhead is tiny, far more of every dollar goes toward erasing debt instead of paying middlemen.

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It's light.

It works on any phone. It doesn't eat your data, and it doesn't harvest your personal life to sell to advertisers. You stay in control of your information.

Your membership

What you got when you joined

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Your member card

Your proof you're part of the coalition. It's permanently yours — no one can revoke it or counterfeit it.

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Your member account number

Your key into your private member groups, discounts, and services.

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Your $GETS member credits

Use them for member discounts and services across our network — a benefit of belonging, like points in a rewards program.

All three are free, all three are yours, and none of them required you to risk a cent.

Member card / app screenshot — add image here

The mechanism

How joining actually erases debt

Three facts that make this possible — facts the debt industry would rather you didn't know.

Numbers are leverage.

Alone, a borrower in distress has almost no power. But here's a fact of the market: defaulted student debt gets sold for less than a penny on the dollar, because it's hard to collect. A large, organised coalition can step into that market with real weight.

A nonprofit fund buys that debt cheaply — and cancels it.

As our fund grows, Digital Financial Aid Corporation buys defaulted debt at those steep discounts and discharges it completely. A $50,000 balance can sometimes be cleared for a few hundred dollars. The bigger the coalition, the more we can buy and erase.

That's the whole idea.

Turn millions of powerless individual borrowers into one block with enough scale to negotiate. No tricks. No fees. No catch.

Debt erasure explainer video — add link here

Fund / impact photo — add image here

Funding

Where the money comes from

You join free and we never take your money — so here's the honest answer to where the funding comes from:

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Donations to the nonprofit

Tax-deductible, because we're a registered 501(c)(3).

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Our merchant network

Businesses that accept $GETS and put value back into the fund.

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The discount itself

Because distressed debt is so cheap to buy, even a modest fund can erase a large amount of debt.

Your membership does not pay for anyone else's relief, and no one's relief depends on new members paying in. Members pay nothing, ever.

Anyone who describes this as “pay in to get paid out” is wrong — tell us if you hear it.

Straight answers to fair questions

No hedging. No small print.

Is my debt guaranteed to be erased?

No. Relief depends on how big the coalition grows and how much the fund can buy. Joining gives you real leverage you don't have alone — but it's not a guarantee, and anyone charging you a fee for "guaranteed" cancellation is running a scam.

Is this an investment? Can I lose money?

No. It's free, there's nothing to buy, and your member credits aren't a financial product — they don't pay returns and we'll never tell you they're worth a set dollar amount.

Do I need to understand any of the technology?

Not at all. We built it so you don't have to. If you ever want the full technical details, they're all public — we hide nothing. See the whitepaper link below.