Clear, transparent
pricing & funding.

Applying for a payment plan is quick and straightforward. You can complete the entire process through our secure online portal in just a few easy steps. Most students finish the application in about 15 minutes. Once submitted, you'll receive an update from our lending partner regarding approval and next steps.

You do not need perfect credit to be approved. Our lending partner accepts applicants with credit scores as low as 400, making financing accessible for most students. However, they do require proof of income, such as recent pay stubs, to verify your ability to meet the monthly payments. As long as you can demonstrate steady income, you may still qualify even with lower credit.

Our lending partner offers competitive interest rates starting as low as 3.99%, making financing more affordable for qualifying students. Your exact rate is determined by the lender based on factors such as credit history and verified income. Once approved, you'll receive a clear breakdown of your rate, terms, and monthly payment before you accept the loan.

The initial application uses a soft credit pull, which does not impact your credit score. If you are pre-approved and choose to move forward with the loan, the lender will then perform a hard credit pull to finalize your approval. This hard pull only occurs after you review and accept the financing offer.

Your payments begin once you receive your approval letter from our lending partner, or at the start date you choose during the enrollment process. This gives you the flexibility to align your payments with your schedule and ensures you're fully prepared before your plan begins.

At this time, our financing options are only available to U.S. citizens and legal U.S. residents. Unfortunately, we are not able to approve loans for international students or individuals who are not U.S. residents.