About 120 nations can borrow from an international bank for the purposes of financing domestic educational improvement. The United States is a donor to this bank, but by virtue of its economic development, it cannot borrow. Nevertheless, the virtues of having such a facility might be worth considering within the United States. This article briefly explains how an American Education Bank might work, be financed, and be governed. Finally, the article uses the Metropolitan Nashville Public Schools as an illustration of the problems the bank might address and the kinds of financial innovations that it might stimulate. The point of the article is not that there is a single solution to the problem of public education in the United States but, rather, that an unusual solution must be found if those problems are to be addressed effectively.