After moving to the US and encountering some drawbacks in traditional higher education, Billy Bosco began work as a delivery driver based in Bolivar, Missouri,
One word that could be used to describe Kassandra Uehling is “capable.” With multiple burdens on her and seemingly no way to lift the financial
In 2020, Matthew Marchand was a barista and professional musician in Los Angeles. How did he make a career switch into coding? We got a
We all, at one point or another, have faced imposter syndrome and the fear that we won’t have what it takes to make it in
While living in Winooski, Vermont, Adam Shappy found an opportunity for a career switch when he was laid off from his previous job. After an
Living in Jacksonville, Florida, Connor Sullivan was then working at a marketing agency as a digital marketing analyst. How did he go from a marketing
Before enrolling in Prime Digital Academy’s Fullstack Software Engineering program, Courtney Overby was working as an order processor at the Hallmark Distribution Center Liberty, MO.
In the midst of a sales career for the biotech and pharmaceutical industry, Christine Tayaba realized it was time to make a change. After being
Working as a program manager for an energy conservation company in Fort Lauderdale, Florida, Natalie Dinkins suddenly found herself placed in an incredibly unfortunate situation
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.
From working at the Apple Store’s Genius Bar while finishing his engineering degree at Florida International University (FIU) to working as a TA at Ironhack
Jo Martin wasn’t exactly a stranger to heavy equipment operations before taking a course at Heavy Equipment Colleges of America’s Georgia campus — he operated
Learn how a General Assembly UX Design program helped Jack find his dream career!
Christy La Guardia faced a big change in her life. After attending Code Fellows in Portland (now Alchemy Code Lab), she was able to make sure these changes were for the better.
Is a coding bootcamp worth it? Check out John review of Software Guild and Climb Credit to learn about his journey to web development!
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 tiers (Elite, Standard, Enhanced) based on Climb’s AI-driven assessment. Higher-credit students generate larger upfront advances to your school through Climb Loans, while students with limited credit are seamlessly routed to Interest-Free Recurring Payments (IFRP).
Brackets are informed by more than $1 billion in loan originations and may adjust over time as repayment data evolves. 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.
Yes. IFRP automatically matches the payment schedule to each program’s course length.
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 an Interest-Free Recurring Payment (IFRP) option with weekly, course-length payments. This ensures more students can enroll while your school maintains steady cash flow during training.
Higher-credit students generate larger loan advances (typically 78–98% of tuition). Students in the IFRP track pay weekly during their course. Both paths protect your school from post-course default risk.
Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.
Technically, yes—but most schools find there’s no need to manage multiple systems once Climb is in place. Climb can handle full payments, weekly IFRP payments, and loans in one platform, giving you a single flow for every student.
Keeping all payment types within Climb simplifies reconciliation, reduces administrative work, and ensures students have a consistent experience from application to payment.
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.
For Climb Loans, you keep the entire upfront payment—no clawbacks or liability.
For IFRP, payments stop when you stop billing. We recommend clear refund and withdrawal policies to guide students and staff.
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.
