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Your potential,funded.

Pay for school with your futureearnings. No cosigner.No payments when you're notworking. Just peace of mind.

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You pay us, when it pays off.

The fancy term is an Income Share Loan. Here’s how it works.

We provide upfront financing anywhere from $2,500-$25,000 per year. icon
We provide upfront financing anywhere from $2,500-$25,000 per year.
Once you're employed and earning at least $30,000 per year, you make repayments. icon
Once you're employed and earning at least $30,000 per year, you make repayments.
You pay us a fixed percentage of your income over five years.* icon
You pay us a fixed percentage of your income over five years.*

Fund your future, without the worry

With payments adjusted to your income and only five years of repayment,* your financial future is lookin’ good.

Get out of debt faster

With shorter repayment terms and maximum caps on how much you’ll pay us back.

Take a job that inspires you

Not just the one that pays the most.

Build your savings

Knowing that payments will adjust with your earnings.

Paying for school shouldn’t weigh you down.

No application fees.
No cosigners.
Only pay us when you earn.

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A small, affordable, fixed percentage of your income, paid in monthly installments over 5 years.* icon
A small, affordable, fixed percentage of your income, paid in monthly installments over 5 years.*
No payments until 3 months after graduation, and only once you're employed. icon
No payments until 3 months after graduation, and only once you're employed.
No cosigner or minimum FICO score required.** icon
No cosigner or minimum FICO score required.**
No payments if you’re
earning < $30k year.
Capped payments if
you’re raking it in. icon
No payments if you’re earning < $30k year. Capped payments if you’re raking it in.
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Stride Funding changed the course of my life. I struggled to get access to affordable funding to go to school without a cosigner, but Stride believed in my potential and funded my education.

Niki, Master of Physician Assistant Studies
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I chose Stride because I wanted to feel like the company helping me pay for school was truly investing in me. I truly feel like the individuals on the team believe in me and my future, and want to help me achieve my goals.

Sanah, Masters, Non-Profit Leadership & Education
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The opportunity to do an ISA was appealing to me for a few reasons. It offered the ability to broaden my network outside of strictly my alumni network. You don’t get that support from any other lending company.

Lawrence, MBA

See if Stride is a good fit for you in less than 1 minute

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More than 140 schools & programs supported

100+ degrees & concentrations supported

Over $150M in available funds

Getting funding from Stride

The fine print on who you are. For the extra fine print, click here.

Attending a four year Title IV college or university icon
Attending a four year Title IV college or university
Enrolled in an eligible Bachelors, Masters or Doctorate program icon
Enrolled in an eligible Bachelors, Masters or Doctorate program
A U.S. Citizen or permanent
resident attending school
in the US icon
A U.S. Citizen or permanent resident attending school in the US
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Common questions about Income Share Loans through Stride Funding

*You will make Monthly Payments indexed to your income for 60 months after the beginning of your payment term. Your loan has a maximum payment period (120 months) inclusive of any months where monthly payments are made as well as any months that are deferred months. This will only be extended if you receive forbearance, which will extend your maximum payment period on a one-for-one basis. If you need to take time off of work for longer than a month, you are required to inform us in advance; depending on your circumstances, your payment term may be deferred or otherwise adjusted.

The effective Income Share Percentage (“ISP”) on your Income Share Loan (“ISL”) or Income Share Agreement (“ISA”) is a fixed percentage of your income for a set amount of time 5 years (60 months) after you leave or graduate from your program. Our ISP rates range between 1% and 15%; your ISP is based on the amount financed and program outcomes. You may repay more or less than the amount you received, depending on your specific circumstances.

To help illustrate how much you might pay on your ISP, we are providing the following examples showing the total monthly payments for loans that have the minimum and maximum ISPs.

Example: Assuming an ISP of 1% (lowest available ISP), amount financed of $10,000.00, 5-year repayment period, and 21 months until graduation plus 3 months grace period. If your salary started at $60,000.00 and didn’t increase over the next 60 months, your monthly payments would be $50.00 per month and would end after making total overall payments of $3,000.00 over 60 months.

Example: Alternatively, assuming an ISP of 15% (highest possible ISP), amount financed of $10,000.00, 5-year repayment period, and 21 months until graduation plus 3 months grace period. If your salary started at $60,000.00 and didn’t increase over the next 60 months, your monthly payments would be $750.00 per month and would end after making total overall payments of $17,700.50 over 24 months because you would have reached the Maximum Implied APR assuming that you have no deferrals or other pauses to your payments.

**There is no credit check required to receive a quote. If you choose to submit an application for funding, a hard credit pull will be performed at that time. There is no 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.