
Tips for Getting Current on Your Student Loan Payments
Sometimes, life can take unexpected turns that throw us off our financial path. Bills can pile up and ultimately turn into roadblocks to getting back
Sometimes, life can take unexpected turns that throw us off our financial path. Bills can pile up and ultimately turn into roadblocks to getting back
Doing a deep clean is an effort that isn’t only confined to your home (though of course, cleaning the home is important too — just
By CreditNinja If your outstanding loans have a high interest rate or a monthly payment that isn’t manageable, refinancing can be a great way to
Student loan counseling can be an important tool when it comes to addressing your finances and tackling debt. And with a vast array of options
The decision to enroll in an education program and get career training isn’t always an easy one, and one question in particular that can be
Have you applied for a private student loan, but the application wasn’t approved? You’re not out of options! If you’re thinking about reapplying but are
Furthering your education can be hugely beneficial when it comes to growing in your career, and ultimately in your finances. Whether you’re enrolling in a
If you’re enrolling in a higher education program, you might be in the process of figuring out how to pay for it and wondering if
Financing can be an important factor in a person’s education and career goals. One question, though, is how a student loan works. Below, we take
Career training and education can be an incredibly worthwhile investment for someone looking to increase their skills and advance in a field. However, even these
If you’re thinking about applying for a private student loan, you’re probably paying careful attention to interest rates. After all, that’s what will tell you
Not everyone can afford to pay for their education upfront — even when it comes to the relatively inexpensive career training programs, which can still
What’s the relationship between student loans and credit?
Check out our list of ways you can pay for school, from payment plans to student loans to ISAs!
By Emily Kalan, Crediful In 2020, most people have countless monthly expenses, and it can be too easy to miss a payment. Missing repeated payments
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.
**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.
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.
We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:
Key advantages of our approach:
We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:
Key advantages of our approach:
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.