Degree in Education

How an M.Ed. in Instructional Design and Technology Helped Zerifa Reach Her Career Goals

Before she and her family moved to North Carolina in 2015, Zerifa was living in Jamaica (where she’s originally from) and working as a teacher. After her move and a few years teaching in an elementary school in Cumberland County, she started looking for programs to help her further her own education. We got the chance to hear from Zerifa about her experience in American College of Education’s M.Ed. program in Instructional Design and Technology, and her current role at Torchlight Academy!

Though she checked out multiple schools, it was ultimately a friend who introduced her to the one that was a right fit for her.

“I was searching for an affordable but reputable institution to further my education. After looking at several institutions, a friend of mine who was studying with American College of Education at the time told me about their program. I then did some research and thought it was a great fit for me.”

But there was still another thing to figure out — how to pay for the program.

“As affordable as American College of Education was, I was unable to pay all my tuition out of pocket. So, the same person that introduced me to ACE also introduced me to Climb. The loan process with climb was so easy, Climb provided affordable and flexible payment options which worked great for my budget.”

And for Zerifa, it wasn’t just about getting a certification to boost her career. It was about learning new skills and finding new passions.

“Wow!! Where to start… I learned so many valuable lessons from studying at ACE, but if I were to narrow it down it would be that I gained more experience on my organizational skills. I became more organized and a little more tech-savvy.

“One standout experience was that I developed a love for graphic designing through completing my program and ACE. Prior to ACE I had no experience with designing, but though virtual, the program was so hands-on and fun that I developed a passion for this, and I now do designs locally for my church and school family.”

Now, not only is she using these skills to help out in her community, but in her career as well...

“I was even more confident during my job hunting process knowing that I now have an M.Ed from ACE. It was interestingly a smooth process.

“I was offered a position as the site-coordinator for my school’s newly developed STEM Project and Partnership with NASA STEM for our Aftercare Program. This position offered was based solely on my credentials, which is my M.Ed in Instructional Design & Technology.”

...Even with something as unexpected as a pandemic.

“With the restraints that come with the Covid-19 pandemic, teaching and learning shifted to 100% Virtual Learning, though teachers are natural adapters. I think what I have learned and practiced during my tenure at ACE was for a moment like this. I must say that though it is not an easy process or transition, my time at ACE completing my studies in Instructional Design & Technology has made it a little less challenging for me.”

Looking back on her experiences with ACE and Climb, there’s only one piece of advice she would give herself.

“The advice that I would give myself would be ‘Zerifa you should have done this sooner’ (that goes for both), but hey… nothing happens before the time. I have encouraged several persons in my circle; I have 2 friends that graduated this year, a friend who is currently a doctoral student (I also introduced her to Climb), and several others who are thinking about attending and using Climb.”

Instructional Design and Technology

Zerifa 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 Zerifa; however, it should not be assumed that all users will have the same experiences. Individual results may vary.

The quoted statements appear 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 American College of Education.

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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**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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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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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.

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

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