Climb Credit Career Training

Fueling Career Training With Accessible Financing

Imagine you have a clear goal: to get a promotion at work, or to even get a whole new job you love. The only thing standing between you and that goal? You lack the essential skills required for the role. So, you research and find the perfect program to get the training you need to achieve your career goal.

Now you run into another problem — you lack the financial muscle to fund your way through school. The average college tuition in the United States costs $38,270 per year, so you’re not alone — many new and returning students need a little help affording the training they need to build their skills.

With Climb Credit, you have a partner to help you navigate the world of career-focused and skills-focused education loans. Learn how Climb can help you balance finances during career development to open up new opportunities.

The Climb Credit advantage: a holistic approach to career training

If you’re thinking, “What makes Climb Credit different from other education loans?” Well, there’s a lot that stands out when it comes to Climb, including:

Focus on workforce development

Climb Credit doesn’t only focus on the financial aspect of career education, as many other loan providers do. With Climb, you (the learner) get career development resources throughout your journey, whether that means upskilling, reskilling, or career transformation. Climb Credit partners with schools focusing on career training. That way, you can hit the ground running with the necessary tools to make your career move.

Accessible financing

There’s no question that tuition fees in the U.S. are high, but career development doesn’t have to strain your budget. Climb Credit recognizes a disconnect in the industry regarding career training and viable payment options. All too often, opportunities for education loans are inflexible or not available for career-focused education programs — and the last thing you want to deal with when starting your new career are credit cards with variable or high interest rates and unfavorable terms.

Climb Credit addresses this gap through affordable fixed-interest payments. When you apply for an education loan through Climb, you can choose from affordable and flexible payment options if you attend its partner schools.

Why invest in your education through Climb?

Financing your education through Climb Credit can open the door to a new world of possibilities.

Overcome financial barriers

Since Climb focuses on providing accessible training, you can rest assured that you’re getting fixed rates and short repayment lengths. For most of its loans, Climb’s annual percentage rates (APRs) are below 19 percent* and the repayment periods are typically 3 years or less for most programs. The short repayment terms allow you to pay off your debt quickly as you start your career. Climb caters to individuals from all backgrounds, including underserved communities, and with some of Climb’s payment plan options, you can qualify for financing even if you have a low credit score.

Build your career skills

Career training is a surefire way of increasing your competitiveness in the job market. Upskilling while still employed can provide the skills you need to stay competitive and work with new technologies. Additionally, when you improve your skills, you can open up more opportunities for career growth.

Get personalized support

With Climb Credit, you don’t just get accessible and affordable education loans — you also receive guidance and resources to apply for jobs after your program. Additionally, if you have questions about paying for a career training program, Climb’s student success team is available through live chat M-F 10AM-8PM ET.

Move forward in your career with Climb Credit

There are so many advantages to taking upskilling and reskilling courses. And with Climb Credit, figuring out the finances doesn’t have to add extra stress to your plans for career training, or cause you to dismiss your plans for career development altogether. With affordable rates and a student-centered approach, Climb is your best partner for unlocking career training.

Ready to get started? Apply now to take the first step toward career training.

Climb (NMLS 1240013) 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.

*APRs on loans range from 0.00%–36.00%. The APR includes an up to 5% origination fee. 0% APR loans are only available at schools which have elected to offer that product. Actual interest rates vary within this range based on a number of factors, including your state of residence, credit history, and applicable lending laws and regulations. Applicable fees are disclosed in the loan note and payment plan contract.

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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.