Abstract: A system to receive an instruction to match candidates to a job announcement; identify first qualifications, of each candidate, that match parameters of the job; identify a second qualification, for any candidate, that does not match any of the parameters; determine a cost to provide a service to enable any candidate to obtain the second qualification; determine a score for each candidate based on the first qualifications, the second qualification, or the cost to provide the service; select a candidate based on the score for each candidate; obtain credit information that identifies terms of financing that can be extended; and output an indication that identifies at least one of the first qualifications of the selected candidate, the second qualification of the selected candidate, the score for the selected candidate, the cost to provide the service, or the credit information to cover the cost of the service.