Loqbox and Blackbullion have partnered to help more than 450,000 students build stronger financial futures through accessible credit-building tools and curriculum-linked financial education.

The partnership gives students across 100+ UK universities, colleges and businesses access to practical financial skills and the opportunity to start building credit responsibly while they study.

Closing the student credit confidence gap

It comes as students face rising accommodation costs, increasing debt burdens and ongoing cost-of-living pressures, with 88% of them feeling hopeless about their financial situation. 

Yet most are leaving education without the credit knowledge they need to navigate it. Nearly two-thirds (64%) of Gen Z wish they had learned more about bills and personal finance before leaving home, and many of them don’t understand how to build a strong credit history before they need one.

The consequences follow students long after graduation. A thin credit file can affect access to housing, mobile phone contracts, fairer borrowing rates and future financial opportunities.

Bridging the gap between financial education and real-world financial readiness 

Blackbullion is the UK’s leading student financial wellbeing ecosystem, helping students learn about money, access funding, and manage their finances with confidence.

Loqbox helps people build their credit histories through tools designed to strengthen financial resilience and develop healthy money habits like saving, without taking on additional debt.

Together, the partnership combines Blackbullion’s trusted financial education platform with Loqbox’s credit-building tools,  giving students both the knowledge and the practical tools needed to build healthier financial habits early.

Tom Eyre, CEO and Co-founder of Loqbox, said:

“Our mission at Loqbox has always been to help people access a richer life. For students, that feels particularly urgent. Too many are entering adulthood already feeling behind, in a financial system nobody has properly explained to them. 

Blackbullion has spent years earning the trust of students, and we share the same belief: understanding money and being able to do something with that understanding are two very different things. 

We're excited that this partnership will help elevate students' ability to gain the knowledge, confidence and credit foundations to take control of their financial futures and thrive.”

Vivi Friedgut, CEO and Founder of Blackbullion, said:

“Blackbullion is the home of student money. We only partner with companies that add real value and share our values - because 450,000 students trust us to help them build solid financial foundations. 

That’s why we’re excited to partner with Loqbox, the UK’s leading credit-building tool. Together we’re closing the gap between financial education and financial identity - giving students the foundation they need before they need it.”

The partnership also comes as universities and student support organisations place increasing focus on financial wellbeing, recognising the impact of financial stress on student welfare and mental health, putting measures in place to keep them learning.