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Climb Credit Onsite at West Coast Training

By Victoria Chung

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 any West Coast Training.

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.

 Welcome to West Coast Training. Welcome to West Coast Training.

Founded in 1959, West Coast Training offers specialized education through heavy equipment training programs for students all over the country. Students are drawn to the school because of its focus on career-training courses and instructors, as well as its well-maintained fleet of heavy equipment. Each student in a class gets dedicated training and practice time on their own machinery, a key contributor to the job-readiness of its students.

 Resting on the bank of the Columbia River in Woodland, WA, the whirr of engines breaks the otherwise peace and quiet at West Coast Training. Resting on the bank of the Columbia River in Woodland, WA, the whirr of engines breaks the otherwise peace and quiet at West Coast Training.

On my visit to West Coast Training, I learned another draw of the school is the driven — and fun — faculty and staff. Jeff Woolever, a 20-year Navy veteran, attended West Coast Training himself to launch his own career in heavy equipment and ended up purchasing the school. Jeff worked in construction and realized many students were inadequately prepared for a career in the industry. He made it his mission to deliver top-notch heavy equipment education, supplying his students with the know-how and experience for a long and rewarding career (as well as career placement services to help them get there). Every conversation with Jeff is tinged with pride and satisfaction in his students’ accomplishments.

 That’s Jeff! That’s Jeff!

As a West Coast Training partner, I was also tasked with the school’s rite of initiation — climbing and operating their 100-foot crane! Since Climb Credit shares West Coast Training’s commitment to helping students get to new heights in their careers, I was up for the challenge of the climb — especially with Jeff to lead the way.

 That’s me climbing the 100-foot crane. That’s me climbing the 100-foot crane.

 That’s me freaking out about being in a 100-foot crane. That’s me freaking out about being in a 100-foot crane.

 Yes, that is me operating the 100-foot crane. Watch out! Yes, that is me operating the 100-foot crane. Watch out!

Climb is officially part of the West Coast Training family! What will your rite of initiation be?

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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.