What happens at the end of 12 months?

Good question - at the end of the 12 months you'll have 3 options:

1. You can close The Foundation and receive all your savings back.
2. You can take your Evergreen Loan offer: a $1,500 loan at 18.99%.
3. You can extend The Foundation for an additional 6-month term (can still cancel anytime). You would do this if you hadn’t unlocked your Evergreen Loan offer yet or you still wanted to have a tradeline reporting to the credit bureaus.