how to make a career change

How to Make a Career Change

Making a career change can be daunting. Between the unknowns of a new role to the effort it entails, it may be a stressful time to say the least. But in the end, switching into a job you love can be incredibly rewarding (just ask any of these people). So to make this transition easier, we’ve put together some crucial steps to help you ensure that your career switch is a successful one!

Do your research

Before you do anything, you should research the career and make sure it’s what you actually want. Does the average salary align with your financial goals? Is there high growth potential, or are the available roles fairly stagnant? How many job prospects are there in your area? Check out Payscale and the Bureau of Labor Statistics to find insights into the state of the industry.

Then, look into the details of the job itself — look online and talk to others within the field to learn more about what the day-to-day will actually involve. After all, even if you’re ready for a career change, you don’t want to go through all the work only to switch into a career you don’t enjoy.

Enroll in a training program

If you’re stuck in an office job but dream about becoming a chef, you’ll need to get some credentials. And while getting additional training or certifications isn’t always necessary, it will definitely be helpful. Not only can it show potential employers that you’re willing to put in the time and effort to improve your work, it will also make sure you’re up-to-date on industry trends, skills, and technology. And since there are many short-term career training programs available, depending on the career you’re entering, you may not even have to invest in a years-long degree program!

Network — inside and outside your current company

We know, networking can be intimidating. But it can be the key to your career switch. Getting to know people in your potential field will enable you to better understand the job (Remember, you want to know what you’re getting into!) and can help you along as you look for new positions. First, talk to people within your company. Your coworkers on other teams are a good intro to the field, and you may even be able to transition into a new role within your current company.

Additionally, there’s also networking outside your company. Attend conferences and meetups to get to know more people familiar with your desired career track. This will increase the breadth and depth of your understanding of the industry, and can also be useful when looking for a job beyond your current employer.

Update your resume

This goes beyond simply making sure your current role and skills are included. You’ll also want to include target keywords for your prospective career. After all, someone hiring a UX designer will be looking for some different skills and characteristics than someone hiring a sales rep. Find out what industry words recruiters want to see on resumes. And since several companies use software that scans for keywords in order to cut down the number of resumes to read through, this can be especially important. One thing you’ll want to avoid, though, is using vague and overused cliches — like the words found on this list from Indeed.com!

Loan vs. Payment Plan

Know how to make a career change and ready for the next steps?

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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.