Abstract: Certain example embodiments relate to techniques for adaptively and intelligently identifying and/or qualifying patterns associated with individuals who are independently certified in accordance with independent verification rules (e.g., for repaying a loan). Based on received first information related to the borrower, educational modules and verification questions are determined. Second information related to the borrower is received, based upon responses provided by the borrower in real-time, to questions presented. Questions are determined dynamically, based upon the first information and responses collected thus far. During collection, the borrower is provided access to educational modules, selectively, based upon the first information and responses thus far collected. Based upon the first and second information, a ratio of residual income to average gross income for the borrower is determined and evaluated based upon rules associating the two.