procrastination

9 Tips to Avoid Procrastination

We’ve all been there — you have a project you need to complete, and despite the logical part of your brain telling you it needs to get done, the rest wants to rewatch The Office or take a personality quiz about what type of cupcake matches your cat’s personality. We at Climb Credit understand how strong the pull of procrastination can be, so we put together some helpful tips to fight back and avoid procrastination.

1. Listen to music

Music can be a great motivation to get stuff done — ask anyone with a workout playlist. No matter what type of music motivates you, find out your power songs and play them in the background to give you the push you need to keep going.

2. Reward yourself

Positive reinforcement can be a powerful tool. After all, why wouldn’t you write 1,000 words if you get ice cream at the end? And if you respond more to the stick than the carrot, you can also go in the opposite direction — you don’t get to go out for dinner with your friends tonight unless you’ve written 1,000 words.

3. Just start

Sometimes you just have to force yourself to start, no matter the result. It doesn’t matter if it’s good, what matters is that it exists — that’s the hardest part. Once something’s on the page, you can make it better. Take this blog post, for instance. It started with sporadic words, which were then shaped into coherent phrases, and finally cogent paragraphs. And voila, we have a blog post!

4. Don’t multitask

It can be tempting to try to do multiple things at once in order to get everything finished. But in the long run, doing so can actually set you back. Not only are you giving less than your full attention to details, and thus probably doing less quality work, but you may make an error that causes you to have to go back and redo things. It’s better to play it safe and focus on one thing at a time.

5. Divide the whole task into microtasks

It’s much easier to accomplish a small task than a large task. Figure out what littles pieces make up the whole, and focus on completing each one by one.

6. Set deadlines for yourself

When you have some nebulous “sometime” to complete your goal, it’s easy to put it off. Deadlines, even ones you set for yourself, can give you the sense of urgency you need to get going. Even better? Create individual deadlines for the microtasks mentioned above. Smaller tasks and smaller timeframes will keep your project moving along nicely.

7. Work in smaller time segments

This goes hand-in-hand with the microtasks mentioned earlier. It’s much easier to work if you don’t have to do it for too long. Set a certain amount of time you have to work and work through that whole time block without stopping.

8. Block distractions while you work

If you’re easily distracted, there are a plethora of tools that can help block those distractions — because you can’t stop work to get on Pinterest if you can’t get on Pinterest for the next hour. A few examples of these types of tools to help avoid procrastination are:

9. Don’t be hard on yourself

We all mess up. Finishing a project is hard enough without beating yourself up because you checked Facebook. Just keep going and work extra hard not to get distracted. You’re fine!

Want more career help, from how to avoid procrastination and beyond?

Avoid Procrastination

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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.

Maximizing Your Results

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.

Important note: Regardless of which bracket a student falls into, they are considered fully paid by your school once funded. The student’s repayment obligation exists exclusively between Climb and the student.

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.