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What is Stride Funding’s eligibility criteria?

Income Share Loans (ISLs) through Stride Funding are a great alternative to traditional fixed payment installment loans. With an ISL through Stride Funding, you never make a payment until after you have left your program and are earning above the minimum income threshold.

​To be eligible for a ISL through Stride Funding, you must fall into the following criteria:

You are attending a four-year Title IV college or university

You must be attending an accredited four-year college or university either as a full-time or half-time student.

​You are within two years of graduation

Your funding start date must be within 24 months of your expected graduation date. If graduation is more than 2 years away, don't worry, you can always come back and apply for a Stride ISA when you are closer to graduation!

​You are enrolled in a Bachelor's, Master's, or Doctorate program

We are not yet able to fund Associate’s degrees, but those are coming soon!

​You meet our outcomes-driven underwriting and credit requirements

There is no credit check required to receive a quote. However, if you choose to submit an application for funding, a hard credit pull will be performed at that time. We do not require a specific minimum FICO score, but our team validates your individual creditworthiness based on derogatory factors associated with your consumer credit report, such as collection accounts, bankruptcies, repossessions, and other factors, which could cause you to be denied for funding.

Our key priority in underwriting your application is determining general affordability (or ability to pay) of the loan during periods of repayment. Overall, we have a host of proprietary factors that allow us to evaluate risk-adjusted outcomes based on the information you share about yourself and your program of study, and/or we obtain from third parties (credit bureaus, schools, etc.) to determine current eligibility for an ISL through Stride Funding.

​You reside or attend school in a state we serve

Currently, ISLs through Stride Funding are provided for all states in the U.S. except Alabama, Colorado, Iowa, South Carolina, and Washington. If you reside or attend school in one of these states or are outside the US please refer to our partners page.

​You are a U.S. Citizen or permanent resident attending a school in the US

Today, we only fund U.S. Citizens and Permanent Residents attending U.S. colleges and universities. If you are an international student who does not fall into this category, please refer to our partner MPower Finance to see if they can support your education funding needs. 

​Your current GPA is at least 2.9

We’re betting on your success and joining you in this journey! To help align incentives, we require all students have at least a 2.9 GPA to ensure our shared commitment to strong outcomes.

If you have any questions please feel free to contact us at or call (214) 775-9960.