learnscape

The Career Learnscape: Lifelong Learning Meets Workforce Planning

Today’s workforce needs are shifting so rapidly — with new innovative technology disrupting nearly every industry — that it’s more important than ever before for workers and employers to identify skill gaps and work to upskill. There are also more companies than ever focused on filling this need. To help visualize the full market of career-building companies , we’ve developed The Career Learnscape. Check it out below!

There are a number of stages in the process of building a fulfilling and lucrative career—and a number of companies working to help both individuals and employees navigate the needs of today’s workforce.

Choosing a career

As individuals look to choose their career path, there are a number of data services and research/career-pathing companies focused on helping individuals find a career that meets their personal and financial goals.  

Simultaneously, as employers look to fill the gaps in their workforce there are counseling and recruiting companies working to connect employers with workers straight out of skill-building programs.

Finding a role

Once the path is chosen, individuals have the ability to find actual roles through a number of job boards, freelancing sites, and social networks. There are also opportunities to build experience through short-term gigs and contract work to help level up in a career path quickly.

On the employer side, many companies have developed apprenticeships — both internally and with the help of apprentice program partners — to serve as a bridge to lucrative, long-term employment for entry-level workers. Some of these companies also allow employers to post gig work directly — filling their immediate needs, while also offering experience to workers.

Gaining the skills

Whether an individual is new to a career or not, as new technology disrupts nearly every industry, there’s bound to be a certain point where a skill gap needs to be filled or reskilling needs to occur. From soft skills to technical skills, there are a number of resources available to help students find and attend certificate programs to gain new skills and earn more money.

Employers are also working to identify skill gaps and up-skill workers on a mass scale. Some of these companies help employers assess their workforce to identify the gaps and skills needed, and others offer a platform for employees to access education as an employer benefit.

Getting the job

Finally, once the skills have been gained, there are a number of companies that are focused on helping workers land a great job and excel in their career. From career coaching, to resume-writing, to tailored placement, skilled workers have options when it comes to landing a good job and rising in the ranks.

Some companies also help employers fill their highly-skilled skill gaps and tap into their current talent pools with internal recruiting resources and talent-optimization software.

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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.

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.