How Charlie Javice scammed investors with her sham startup Frank Financial Aid

This is Episode #2 in a deep dive on con artist Charlie Javice, the Forbes 30 Under 30 "business leader" who raked in millions from investors for her phony fintech startup Frank while scamming customers and leaving behind a trail of missed red flags.


Watch the series

  • Episode #1: Charlie's shady "nonprofit" lands her a reality show

  • Episode #2: Charlie launches the most hypocritical startup ever

  • Episode #3: Charlie cons JPMorgan into buying a list of fake emails

  • Episode #4: Charlie claims she’s the victim and sues JPMorgan

  • Episode #5: Judge forces JPMorgan to pay Charlie’s legal bills

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Charlie's company Frank was supposed to help students pay for college.

A few snapshots from Frank’s website withfrank.org archived via Wayback Machine.

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The U.S. Department of Education thought Frank's website was confusing, so it sent a cease and desist letter for violating its trademark FAFSA.

Frank’s website frankfafsa.com included the government-copyrighted name FAFSA. Read more details on Charlie’s settlement with the U.S. Department of Education over allegations she misled students at Business Insider.

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Frank's questionable cash-advance loans and COVID grant "applications" also earned it a warning from the Federal Trade Commission.

  • Students Need Emergency Grants, But This Tool Just Gives Them False Hope (on Frank’s CARES grant “application”) via New America

  • Frank’s Student Emergency Grants page via Wayback Machine

  • Bipartisan letter requesting the Federal Trade Commission to investigate Frank from U.S. Congress members

  • Frank’s membership page offering cash-advance loans with misleading advertising and lending terms via Wayback Machine

  • FTC Warns Frank Financial Aid to Stop Potentially Misleading Marketing Directed to Students Seeking Coronavirus Financial Relief via FTC

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Video sources

  • A 26-year-old founder has a solution to what Bill Gates calls an 'unnecessary roadblock' to college — and her startup is helping students get thousands off their tuition via Business Insider

  • A Value-Driven Visionary: Celebrating Charlie and the acquisition of Frank via Aleph Capital’s Medium

  • Acadeum’s blog post about partnering with Frank’s Classfinder via Acadeum

  • Billions in Untapped College Financial Aid Is Up for Grabs With This New Tool via VICE

  • Bipartisan letter requesting the Federal Trade Commission to investigate Frank from U.S. Congress members

  • Charlie Javice, Millennial CEO Sued by JPMorgan, Was a ‘Namedropping’ Cool Boss via The Daily Beast

  • Charlie Javice: “Rejection is a numbers game” via Persistence 360° podcast

  • Charlie Javice’s profile via Forbes

  • Court complaint against Charlie Javice by JPMorgan Chase Bank

  • FAFSA: Ask any college student. The federal student aid application is needlessly complex via USATODAY

  • Financial Aid Tips For Your Family via CBS New York

  • Frank Announces $10 Million Series A To Help Students Raise Financial Aid & Lower Tuition via Crunchbase

  • Frank promotion with NFL star Kelvin Beachum Jr. via attn

  • Frank promotion via Detroit Pistons

  • Frank raises $5M more in its quest to get students max financial aid via TechCrunch

  • Frank startup founder Charlie Javice, accused of defrauding JPMorgan with fake users, previously settled with Department of Education over allegations she misled students via Business Insider

  • Frank’s Classfinder page via Wayback Machine

  • Frank’s membership page offering cash-advance loans with misleading advertising and lending terms via Wayback Machine

  • Frank’s Student Emergency Grants page via Wayback Machine

  • Frank’s website withfrank.org archived via Wayback Machine

  • Frank’s website frankfafsa.com archived via Wayback Machine

  • FTC Warns Frank Financial Aid to Stop Potentially Misleading Marketing Directed to Students Seeking Coronavirus Financial Relief via FTC

  • Getting Help with Financial Aid (Interview with Charlie Javice) via Bill Carmody

  • How a 25-Year-Old Woman Is Rebuilding the College Financial Aid Process, 1 Student at a Time via PopSugar

  • Interview with Frank Founder Charlie Javice via Cheddar News

  • Investors are pouring money into Frank, a TurboTax for student loan applications via TechCrunch

  • JP Morgan Says Startup Founder Used Millions Of Fake Customers To Dupe It Into An Acquisition via Forbes

  • Meet the Woman Making Quality Education Affordable for All via In Her Sight

  • Power to the People:The FinTech Revolution via OurCrowd

  • Simplifying FAFSA: Interview with Frank CEO/Founder Charlie Javice via Fox Business

  • Students Need Emergency Grants, But This Tool Just Gives Them False Hope (on Frank’s CARES grant “application”) via New America

  • The 8 Most Confusing Things About Fafsa (article by Charlie Javice requiring extensive corrections) via The New York Times

  • The 25-Year-Old CEO of Frank Is Working to Bridge the Student Aid Gap via Brit + Co

  • Warning letter: Misleading Students About CARES Act Emergency Assistance and Cash Advance Product to Frank from the Federal Trade Commission

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About Guzzle

Hi! I'm Mary, and I make Guzzle, a YouTube series that spills the tea on shady money-makers. I investigate scammers, report on suspicious tactics, and try to help y'all avoid financial harm. The full story →

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