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Climb Credit Student Interview: General Assembly Graduate Kristy Glassick

Kristy Glassick graduated from General Assembly’s part-time UX Design course in April 2016 and then started her own business, GlassickUX. We spoke with Kristy about her experiences — below, you can read what she had to say about General Assembly, Climb Credit, and founding her company!

What made you originally start thinking about attending your program?

I’d been [at a non-profit for] four years, and I was starting to feel a little bit stagnant. It’s a little hard to move up … I think I had just been married 8 months … We had bought a house together, so we had a mortgage payment to consider. I wasn’t looking to quit my job and find something else, so I was kind of looking for a medium — something that I could learn more about, and if it was interesting to me, then try to transition my career in that direction.

I had a friend who took the Immersive User Experience course at General Assembly, and I took her out to dinner and we talked about it. We talked about the cost and the benefits, and she was the one who encouraged me, if I couldn’t do the immersive course which is significantly more expensive and you really have to quit your job, to try out the part-time course. So I ended up, in the spring of last year [2016], looking into it and signing up for the part-time course.

And what made you choose to get a loan from Climb?

As I mentioned, we had financial obligations and were always on a budget. Financing the program out of pocket wasn’t an option, so the only way that I could afford to take the program was to apply for credit. I worked with General Assembly to look at the different options, and I applied with Climb and got approved, and it just made really good sense.  The financing part made it possible.* Being able to pay it off bit by bit, as my career changed and I was making more money, would be much more reasonable than trying to find a way to pay it off all at once, or putting it on a credit card.

So then, once you decided to move forward with Climb, how would you describe the process?

It’s been a year and a half, but if I remember correctly it was a really simple process. It was the basic information you’d expect to get from someone who was going to give you a loan, and then I was approved quickly, and they handled everything well with General Assembly. I wasn’t worried about them paying General Assembly … I set up automatic payments, it’s a decent interest rate, it’s a low payment every month, and it just makes it really simple.

Do you think, if you hadn’t received financing, you would have moved forward with your General Assembly course?

100%, not getting financing would have stopped me. I don’t think I would have been comfortable just paying that money upfront and then trying to figure out how to pay myself back later. It would have been too much of a stretch.

To go back to your time at General Assembly, what are some of the most valuable skills or lessons you learned from your program?

I would start with the graphic design element.  That was a skill I really needed that I didn’t have, and I learned a lot from them in that respect.

The other thing that I would say I learned that was really valuable was just general best practices and understanding some of the nuances of web and app design — so things like how responsive design works, and the relationship between people who are coding websites or apps and designers, and how to navigate those relationships.

And after the program was finished, what did your new job search look like, and how long did it take to find a new job?

I graduated from the program in April of last year, and I really enjoyed it — the instructors were great. General Assembly is such a welcoming community, and even after I graduated they were willing to give me a couple of tips and tricks on what to do next. What I ended up doing was actually a little unconventional. I decided that I did want to do user experience, that it was something I was passionate about, that it was something that I could see myself doing long-term and really enjoying.

So, what I ended up doing was starting some pro bono work for The Williamsburg Winery over here on the East Coast, and that turned into a longer-term contract, so I formed my own company. Now, I have this steady income from working in marketing, and then I spend the rest of my time working on my business, building and maintaining websites for small-to-medium companies.

Was owning your own business an idea you’d always had, or was it something that came about during or after the program?

It just kind of came up, and it’s funny because  I know what I’m doing, I’m good at it and passionate about it, I can connect with people — why don’t I just do this on my own? And I swear I woke up that morning, I went to my computer, I designed my logo, I designed my website, I put together my business plan and applied for my paperwork, and then my business was formed.

It definitely takes a lot of confidence to start a company on your own. Is that confidence something you found through your General Assembly course, or did you already have the confidence and General Assembly gave you the skills you needed?

 The nice thing about user experience is that, since I have such a strong background in marketing, there’s a lot of crossover between branding work and user experience work — you’re really looking at the same kind of questions, it’s just applying the information differently. So I already knew some of the stuff going into the user experience course, but they laid the foundation for things that I needed to know to succeed in this field.

What kind of projects are you working on in your business?

I’ve done quite a number of projects and website launches since I started my business. It’s been a busy year — I’ve launched about five websites and done other related work, such as an application design, website analytics, SEO, and some content creation. I work with two clients regularly to maintain and improve their website and am looking to grow in my second year of business.

How does running a business compare to the job you had before you attended General Assembly?

Looking back at the application process, is there anything you would do differently?

I don’t think there’s anything that really stands out as something I would have done differently. I don’t want to say it all kind of just fell together because it didn’t — it was hard work, and it was a lot of exploring who I am, who I want to be, and where I want my career to go.

If you want to learn more about Kristy’s business, GlassickUX, LLC, here’s where you can find her online!

Kristy is a client of Climb’s. However, she was not paid or otherwise compensated for this testimonial. This testimonial reflects the real-life experiences and opinions of Kristy; however, it should not be assumed that all users will have the same experiences. Individual results may vary.

This testimonial appears verbatim as given by the user, except for the correction of grammar and typing errors. Some testimonials may have been shortened or rearranged for the sake of clarity.

Schools do not endorse loans originated by Climb Investco, LLC, and Climb Investco, LLC is not affiliated with any school. Climb Investco, LLC is the loan distributor, not General Assembly.

Climb encourages students to do thorough research in selecting a training program that meets their unique needs. Details provided by Climb are for information purposes only and are not meant to qualify an institution or be relied upon in determining which institution is right for you.

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What to Expect: Realistic Outcomes

Climb’s Comprehensive Access Solution can offer a strategic balance of increased enrollments and upfront cashflows compared to traditional lenders. While no financing solution guarantees 100% collection, our data-driven approach maximizes both upfront cash and long-term repayment rates.

Typical Partner Results:

  • 15-30% of students qualify for Climb Loans with upfront tuition delivered to the school shortly after course start
  • 45-60% of students qualify for 0% APR* payment plans
  • Enrollment increases of 20%+ reported by partner schools**

**Results vary by school and student demographics. This represents performance reported by individual school partners and should not be considered a guarantee of your specific outcomes.

The bottom line: CAS is designed to maximize your net tuition recovery while eliminating the administrative headaches of student financing.

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Pro Tip: Schools that require student deposits and set up automatic payments during enrollment see significantly better repayment performance across all financing options. These simple steps can meaningfully improve your outcomes.

FAQs

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

Students are placed into funding brackets (Elite, Standard, Enhanced) based on our AI assessment. Higher-credit students generate higher upfront payments to your school, while students with limited credit are seamlessly directed to our 0% Payment Plan.

These brackets are established using data from over $1 billion in career training loan originations and may be adjusted periodically based on updated repayment trends.

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Elite Access not available for Computer Science programs. Upfront percentages vary by industry and loan terms.

Once Climb disburses upfront funding for a student loan, that student is considered fully paid by your school. You will not receive any additional payments for that student—the single upfront payment is complete and final.

From that point forward, the student’s repayment obligation exists exclusively between Climb and the student. Your school has zero liability if the student defaults, and you keep the full upfront payment regardless of the student’s future payment performance.

They’re automatically offered our 0% Interest Payment Plan, ensuring no student is turned away while maintaining steady monthly cash flow for your school.

Higher-credit students generate larger upfront payments (75-100% of tuition), while students with limited credit use our 0% APR* Payment Plan for consistent monthly revenue. Both options are risk-free for your school

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Typically, within 5-10 business days after your partnership agreement is signed.

Comprehensive onboarding webinar, continuous partner support via AI-assisted chat and live email—and real-time borrower assistance with our live-chat-available student success team.

No. Climb fully manages the administrative responsibilities—your team simply monitors your school’s performance via our intuitive School Portal.

Your school is fully protected either way. For Climb Loans, you keep the entire upfront payment with zero liability. For Payment Plans, you only receive what students actually pay, with no risk to your school.