Choose Career

How to Choose a Career Path

Starting a new career can be an exciting time in your life — though it can also be a nerve-wracking one as well! There are already many unknowns, and the last thing you want to be unsure about is whether or not the job you’re entering into is the best option for you. So, we’ve put together some things to consider in our guide for how to choose a career path!

Figure out your ideal work environment

Do you dream of working in the office of a fast-paced startup, or would you prefer to spend your days outdoors? Do you enjoy interacting with people, or would you rather have a more solitary job? Consider what your perfect workday looks like to get started on finding the right career to fit it.

Determine how high of a salary you’d need

Next, take a look at your financial goals and what level of salary you would need in order to reach them. Do you have debts to pay off? Do you want to buy a home? Is being able to afford regular vacations important to you? Have a range in mind for the type salary your goals will require and the lowest salary amount you’d be willing to accept.

Weigh all factors to decide what’s most important

When you’re looking at how to choose a career, some factors may weigh more heavily than others. Would you be willing to take a lower salary if it meant being in a job you’re truly passionate about? Do you love being around people, but would rather have a more isolated job if you got to be outside all day? Rank all the aspects that are important to you and know which ones you would forgo if you had to.

Research jobs to find ones that match your needs

Doing thorough research is crucial for finding a career that fits you and your needs. Search online at sites such as Payscale and the Bureau of Labor Statistics for jobs that match your ideal scenario, and then read more about each one to make sure it’s actually what you’re looking for and if there are enough job opportunities near you. After all, you don’t want to go through all the work of entering a new career, only to find out the day-to-day isn’t what you thought it would be or that job prospects are slim.

Note any education/experience requirements

Finally, once you’ve determined what careers are right for you, you’ll want to make sure you know about any education or training levels required by the job. Some might require a doctorate and several years of training, while others — including the types of careers taught at several Climb partner schools — may require a certificate and less than a year of training. The last step in finding out the best career path for you is to understand how to get there!

How to Choose a Career

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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.