Students are going to be using youZingIt to get a supplemental income, assuming loans are going entirely towards classes, and they cannot get another job. Specific gift cards and other cash vouchers are more valuable than PayPal Cash in instances that, PayPal is going to take a cut and it can only be used in the PayPal verse, where as gift cards can be used where the user chooses, without an intermediary, and can be bought in bulk or with affiliate accounts so that a larger portion of kickback goes to YouZingIt.