Student Financing Options
Beyond state funding, several trusted third-party lenders specialize in financing career and certificate training. These are options many students explore to help fund their enrollment at Certification Training Academy.
Certification Training Academy is not a lender. The companies below are independent financing providers; approval, interest rates, and repayment terms are determined solely by each lender. Please review all terms carefully before applying.
Ascent Funding
Best ForStudents with thin or limited credit history
- Loans with or without a cosigner
- Fixed-rate installment loans
- Terms typically 5-15 years
- Designed for career training and certificate programs
Climb Credit
Best ForCareer and trade schools (strongly aligned with beauty & esthetics programs)
- Soft credit check to prequalify
- Fixed monthly payment installment loans
- Terms typically 36-60 months
- Often works with fair or limited credit
Meritize
Best ForStudents with limited credit but solid work or academic history
- Merit-based underwriting (grades and work history considered)
- Fixed-rate loans
- 3-5 year repayment terms common
- Career-training focused
Not sure which option fits?
Our admissions team can help you compare financing, state funding (Idaho LAUNCH and WIOA), and payment plans for your program.
For School Owners & PartnersFinancing Partner Programs
These lenders partner directly with career and trade schools to finance student tuition, paying the school upfront while students repay the lender over time.
Climb Credit
Career Training Loan Partner- Pays the school upfront
- Designed for skills-based programs
- A strong fit for career and beauty schools
Meritize
Career Training Loan Partner- Pays the school upfront
- Underwriting looks beyond the credit score
- Good for non-traditional adult learners
Ascent Funding
Career Training Loan Partner- Pays the school upfront
- Works directly with career schools
- Career-training loan partnerships
