Tuition Options for Career Training
at My IT Future

Explore Funding Alternatives and Begin Your Training

Financing at 0% up to 60 months

You may qualify for ZERO interest, ZERO upfront fees for up to a SIXTY-month term.

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Meritize Funding for Individual Career Training

My IT Future has teamed up with the Meritize platform* to offer our student’s a unique financing option. Meritize works with students, educators, and employers to help people excel in skills-based careers..

Meritize knows you are more than your credit score, and that is why they look at your past achievements to potentially enhance your loan options

A few reasons why the Meritize Platform is a great option for students include:

  • Fixed and variable interest rates available** Flexible payment options, including deferring full principal and interest payments until 3 months after you complete your training
  • Customer support available 6 days a week
  • 0.25% interest rate deduction if you sign up for autopay***

Checking your loan options with Meritize has never been easier. You can fill out a short application to check your loan options without impacting your credit score.

If loan options are available to you, Meritize will request your merit information to finalize your application. This could be in the form of:

  • Academic Experience (Official or unofficial transcript or HSE certification)
  • Military Experience (DD214)

Want to learn more? Check out their FAQ page here: Meritize Student FAQ

Ready to see if you qualify? Check your options here: Apply Here


*My IT Future does not endorse a particular lender, nor is it affiliated with Meritize Financial, Inc. (“Meritize”) or the Meritize platform.

Meritize Lending, LLC, NMLS ID 1661035 (NMLS Consumer Access
Meritize Financial, Inc. NMLS ID 1986399 (NMLS Consumer Access

Terms and Conditions apply. Meritize branded loan products are educational loans issued by Meritize Lending, LLC**. Meritize reserves the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen, permanent resident or hold an Employment Authorization Document and meet Meritize’s underwriting requirements. If approved for a loan the actual loan amount, term, payment, and APR amount of loan that a customer qualifies for may vary based on credit determination, state law and other factors. Meritize does not warrant or guarantee any claims made herein, including, but not limited to, gaining admission to a program, concerning the quality or financial strength of any educational institution, securing funding or obtaining employment. Our final loan offer may differ as a result of the school chosen and the associated cost of tuition. Not all schools are eligible for funding. Meritize does not offer educational loans in the following states: IN, ME, ND, NV, SD, VT, WI, WV, WY, PR. All rights reserved.

**For residents of SC, loan is made by Meritize Financial, Inc
*Variable rates are subject to change.

Climb Credit

The loan process is simple and fully-online, taking only five minutes to complete. Most people will receive a funding decision almost immediately. Climb works with students with different credit backgrounds, including people without any credit to their name.

Climb offers loans with smaller interest-only periods, with full interest and principal payments beginning after the interest-only period .

If you have any additional questions about Climb or their application process, you can reach out to Climb’s Student Success Team through live chat at their website, email at, or phone at 888-510-0533. Their team is available 10am–8pm EST, Monday–Friday.

Frequently Asked Questions about Climb Credit

  • Do I need a co-borrower to take out a Climb loan?

    Having a co-borrower isn’t required, but you may end up with a lower interest rate if you do decide to apply with one. Adding a co-borrower can also increase your chances of getting approved.

  • What would my interest rate be?

    Climb’s interest rates, which are always fixed, range from 7.99% to 17.49%, which means you don’t have to worry about your monthly payment amounts changing from month to month. Offerings differ by program. What your rate ultimately depends on is your state of residence, the program you enroll into, your credit history, and any applicable laws and regulations.

  • How and when should I expect my loan to be funded?

    The loan won’t be funded until after you’ve started class. Once your loan is finalized, accepted by you, and we’ve verified your attendance in the program of your choice, Climb would send tuition funding directly to us. This typically occurs within 2 weeks of you starting class.

  • How do I make loan payments?

    Payments are handled by Climb’s loan servicing partner, University Accounting Service. Through UAS, you can enroll into autopay or make manual monthly payments online or by personal check. Most Climb borrowers choose autopay because they don’t have to worry about late payments. As an added bonus, Climb will reduce your interest rate by 0.25% if you sign up for autopay. Climb will send you instructions on how to sign up for UAS once your loan is funded.

  • When do I start making montly payments?

    With the Climb interest-only loan you’ll make smaller, interest-only payments in class and a few months after so you can focus on school and your job search period. After that, full sized principal and interest payments will kick in.

  • So how do I apply?

    Our admissions team can send you a link to start your application; you can also choose to apply through the link on our website, or by going onto Climb’s website if you want to learn more about Climb before you apply. All applications are paper-free and can be submitted from your computer, tablet, or phone. You’ll want to make sure you fill out an application for the specific school and program you’ll be attending since Climb specifically links their loans to individual courses.

  • What happens if I get denied for a Climb loan?

    When a student is denied, they will be asked to reapply with a co-borrower. The student will then receive a separate email that includes an Adverse Action Notice with more information on the decision. Students should feel free to apply as many times as they like with different co-borrowers, as just applying will never affect your credit score.

  • If I apply and get approved, am I locked into the loan?

    Students are welcome to apply to just explore their options! There is no obligation to accept the loan if they’ve been approved. Even after students sign for the loan, they are able to decline/cancel their loan terms up until the loan is funded.

  • What happens if I am unable to make a payment?

    Climb wants to help! They offer payment deferment options for qualifying borrowers. Just reach out to learn more.

  • Is there a loan cancellation period?

    After students sign their Master Promissory Note (their loan documents) there is a mandated 4 business day window where the loan cannot be funded, no matter the course start date. Students can cancel their loan risk free within this period, or up until the 1st day of class – whichever is longer!

Workforce Innovation and Opportunity Act (WIOA)

Are you unemployed or underemployed and seeking a career in Information Technology? The Workforce Innovation and Opportunity Act (WIOA) offers tuition assistance to those who qualify.

Who may be eligible?

WIOA is a federally funded employment and training program. This law gives workers the chance to get the technology skills needed to compete by helping those who have been laid off, are changing career paths, or are seeking to improve their skills to secure a new job. Depending on your situation, there are different scholarships and financial aid options available for those who qualify.

The Workforce Innovation and Opportunity Act (WIOA) provides job training benefits for adults, dislocated workers and youth to help gain skills necessary to obtain and maintain employment. To qualify, you must be approved by your local workforce development agency.

Official Details from the Department of Labor –

TAA - The Trade Adjustment Assistance program

The Trade Adjustment Assistance (TAA) program was designed to help workers who have lost their previous job due to foreign outsourcing.

The TAA program seeks to provide these trade-affected workers with opportunities to obtain the skills, resources, and support they need to become reemployed. The program benefits and services that are available to individual workers are administered by the states through agreements between the Secretary of Labor and each state Governor.

To use this funding, you must be approved by the local workforce development agency.

Official Details from the Department of Labor