For many people, becoming an HVAC technician can be the first step towards a great career. Are you thinking about starting along this path, and
Getting trained in welding could be a great first step towards a high-paying and fast-growing career. But despite relatively low price tags compared to other
For many, becoming a line installer and repairer can be a positive career move, bringing a lucrative salary after a relatively short an inexpensive training.
Here at Climb, our mission isn’t only to offer payment options that can help people attend career training programs — it’s to truly increase access
Find your school ForgeNow National Technical Institute Quality Technical Training Center South Florida Academy of AC Vocational Training Institute Schools do not endorse loans originated
Pursuing a career in welding can be a great choice for many people — especially given the relatively low cost and short timespan to get
For many people, becoming a certified lineman can be the first step towards a great career. Are you thinking about starting along this path, and
Here at Climb, our goal isn’t just to offer payment options to help people attend career training programs — it’s to fully increase access to
Find your school Arclabs Welding School Fusion Welding Institute Vocational Training Institute Western Technical College Western Welding Academy Schools do not endorse loans originated by
If you’re interested in starting a new career as a lineman, you could be on a path to earn a lucrative wage with a relatively
Getting an education at an HVAC training school can be a great investment that could put you on the track to a high-paying and fast-growing
Here at Climb, our mission isn’t just to offer payment options to attend career training programs. It’s to help ensure people have the tools and
Each year, millions of people enroll in higher education programs — whether that be through traditional education like a university or community college, or through
For many people, one of the biggest barriers to education can be tuition. And even though enrolling in a vocational program (such as HVAC) can
According to the Bureau of Labor Statistics (BLS), the coming years expect to see a rise in job openings for welders, cutters, solderers, and brazers.
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.
