WeLab Ltd., a Hong Kong-based online lender that makes loans in China, looks at what apps people have downloaded, where they go using the phone’s GPS tracker, their social networks and their school records. It offers discounted interest rates for each extra piece of personal information that helps profile customers for credit ratings. Even worse, some student put up naked pictures as embarrassing collateral for their loans. Jeff and Anthony consider what they might give up for the money to get through college, and try to figure out how to work the system in their favor.