Get Credit for Your Merit

We want to help students pay for programs that unlock better careers. We look beyond FICO and use previous academic or military achievements to help you get approved.

We know your focus is on your education. Many programs are eligible for fully deferred payment options, so that you don’t have to make payments while you’re in school.

I know where I want to go

If you have your path laid out and know your school or training program, start your loan application!

I don't know where I want to go

If you want to research your path, use Meritize Connect to help you move forward!

You can improve your loan options by sharing details of your achievements

Share your academic history

Show what you’ve learned inside the classroom to improve your loan options outside the classroom by providing your transcript or high school equivalency scores

Get credit for your military service

If you’re a veteran, you can share your military documents to get credit for your military service

The Meritize Score

We believe everyone should have access to education. Our proprietary Meritize Score allows us to reward students for their past achievements, expanding upon traditional student loan options.

We’re increasing access to a better future by evaluating students on more than just their credit score.

We believe in past achievements – we look beyond FICO at previous academic or military experience to inform our lending decisions.

We believe in past achievements

With the help of our Meritize Score, past achievements are treated as an important indicator of your potential. Your academic and military experience can help enhance your credit evaluation and loan options.

Borrower Benefits

  • Checking loan options will not impact your credit score
  • Pre-approval in minutes
  • Competitive fixed and variable rates
  • Ability to finance up to full tuition and, in some cases, cost of living
  • Affordable payment options, including deferring payment until 3 months after you complete your training
  • Interest rate deduction if you enroll in autopay**
  • No pre-payment penalty
  • Access to free Career Services


** The 0.25% AutoPay interest rate reduction applies if you make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.  AutoPay is not required to obtain a loan.

Flexible repayment options built for students

For many programs, payments may be fully deferred until you finish your training. Most borrowers may also elect to make interest-only, or even full, payments while in school. It’s your choice!

Career Services

Academic Coaching

Work with one of our coaches to develop a game plan to perform at your personal best while in school

Job Search Bootcamp

Work with experts on your job search, from crafting your resume to negotiating salary

New-to-the-job Coaching

Develop the personal and competitive skills that will help you achieve professional excellence in your new job