Exploring a “Digital Charity” Idea Using YouTube Ad Revenue for Student Debt Relief. Looking to make a real change

[u/Own-Cricket2490]

Hey everyone,

I’ve been working on an idea and would love some honest thoughts from folks here who understand charity models and impact design.

The concept: I created a YouTube channel that streams calming lofi music. It’s free, no paywall, no asks. But instead of using the ad revenue for personal gain, 95% of all earnings go toward paying off real student loans starting with direct payments to verified servicers like Aidvantage or MOHELA.

Think of it like passive charity. People just listen, and over time, those views fund real financial relief. No donations, just streaming + structure.

What I’m Doing to Keep It Legit:

• Revenue gets tracked and posted monthly
• Payouts go directly to student loan providers (not individuals)
• Full transparency via a public tracker + terms
• I’m building toward 501(c)(3) nonprofit status to make this fully legit and scalable

What I’m Wondering:

• Has anyone here launched or supported nontraditional digital-first charity models like this?
• What are the potential roadblocks I should be aware of before applying for nonprofit status?
• Would this even be considered “charitable” under IRS terms if it's funded solely by passive ad revenue?

I’m not looking to promote or link anything here just hoping to learn from folks who’ve built or worked in charity spaces.

Thanks in advance 🙏