Tuition Financing


Clearly Defined Interest Rate


Ease of Application + Credit Review


Upfront loan terms & rates. Ten-minute application. Immediate credit decision.

Here's What You Need To Know

Only Finance What You Need: Borrow from $2,000 to $12,000 for tuition. Students will make full repayments (interest + principal) roughly one month into program.

  • Scholarships may be applied to financing at any time - just let us know!
  • You're responsible for paying the applicable cash deposit directly to The Flatiron School in full accordance with their deposit policy.
  • Your cohort start date must be within 90 days of the day you apply for a loan.
  • Questions? Please email CustomerTrust@Skills.Fund!


Calculate your full monthly repayment:

Please enter a number between 2,000 and 12,000 without punctuation

For Flatiron School's online program, students may borrow from $2,000 to $12,000

36-Month Term
at 8.99% Interest Rate
11.69% General APR*
$ 347.20 /mo

*General APR - General Annual Percentage Rate. The APR shown is a general calculation based upon an example loan amount, 4.0% origination fee, and varying program length. An actual APR calculation is based upon an individual borrower's specific details, so it may deviate slightly from the general APR example provided above.


Skills Fund Loan 36 Month Loan
Cosigners Note: Up to 1 cosigner might be required in some instances.
Origination Fee 4.0% of loan requested (1)
Interest Rate (2) Fixed
Capitalization of Interest No interest will be capitalized.
Payments Required While Enrolled? Full monthly payments (interest + principal) are required.
Separation Period (after the in-school period and before interest and principal repayment begins) Payments are due roughly a month after loan disbursement.(3)
Principal and Interest Repayment Term 36 months (3 years)

This example shows the monthly payments of a $10,500 Immediate Repayment Skills Fund loan:

Example on a $10,500 loan 36 Month Loan
General Annual Percentage Rate 11.69%
Finance Charge (4) $1,999
Monthly Payment $347
  • (1) The 4.0% origination fee is assessed to all loans, and is added to the principal request, so for example, requesting $10,500 will result in a $420 origination fee that will be added to your loan balance and increase the amount you will accrue interest against to $10,920.
  • (2) Interest rates are fixed and never vary.
  • (3) Graduation dates are determined by the school, and full repayment begins 1 month after your program start date.
  • (4) General Annual Percentage Rate (APR): finance charge and monthly payments are based upon borrowing $10,500 with a 4.0% origination fee and a 36 month principal and interest period.


Before you begin, please read these important notes:

  • Customer identification policy:
  • For the purpose of the following notice, the words "you" and "your" mean the Borrower and the Cosigner. All applicants: Important Federal Law Notice - Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
  • Consent to share data:
  • By clicking the box below and beginning the application, I consent under Federal and state privacy laws to Flatiron School providing to Skills Fund information related to my application, enrollment, and completion, including but not limited to information contained in my original application and supplements as well as information regarding my completion, graduation, and post-graduation outcomes information.


Attention Applicants: When entering "Applicant Information" within your loan application, please select New York (NY) as "the state of the school you plan to attend."

If you are a cosigner begin the addendum now by clicking here.

While in the application, please note:

  • DO NOT use the browser Back button. Using the browser Back button may cause invalid information and delay the processing of your loan.
  • Your application will not be complete until it has been signed and submitted along with any required documentation.
  • You will need the address and phone number of 3 references to complete your application, including one relative not living with you. Others may be friends, employers, etc.


Do I qualify for a Skills Fund loan?

We’ve worked closely with Flatiron School to provide students - of all backgrounds and walks of life - access to competitive financing. As long as you meet the basic underwriting criteria, such as you are a US citizen / permanent resident, with no bankruptcies or history of default on a public or private loan - you'll most likely qualify for a Skills Fund loan.


For Flatiron School's Online Web Development program, student can borrow up to $12,000 to pay for tuition.

Please note: Students are responsible for paying the Flatiron School's cash deposit directly to the school in full accordance with their deposit policy.


You may apply for financing in parallel to applying for your scholarship. If you are awarded your scholarship prior to the disbursement of your tuition financing to , please email CustomerTrust@Skills.Fund with the amount of your scholarship, and your tuition will be downward adjusted.

Should you receive your scholarship following the second Wednesday after program start, you can apply your funds to your loan balance at any time without pre-payment penalty.

Please note: Should you want to apply for a scholarship, it is recommended to apply for max tuition financing, and once your scholarship is awarded, Skills Fund can downward adjust your requested tuition financing. This will prevent you having to apply for additional funds, should you not be awarded your scholarship, as loans may not be upward adjusted. Simply email CustomerTrust@Skills.Fund with your approved scholarship amount.

Do I need a cosigner?

If you do not meet the loan underwriting criteria, a cosigner will be needed. You can (1) apply individually, and should you not be approved, you can reapply with a cosigner, or (2) initiate your loan process with a cosigner.

Please note: we advise you to apply individually to begin, and should you not be credit approved, you may be given the opportunity to amend your application with a cosigner.

What information do I need to provide Skills Fund?

During the loan application process, we will ask you for the following information:

  • Full name
  • Address
  • Email and other contact information
  • Social Security Number
  • Date of Birth
  • Loan amount requested
  • Three personal references
  • Cosigner information (if applicable)

When should I apply for a loan?

Apply for the loan after your acceptance into a program. Your program cohort must begin within 90 days of the date that you apply for a loan.

Will you check my credit?

Yes, we will check your credit, including your credit score.

Will I get charged any fees for taking out this loan?

You will be charged an origination fee of 4.0%. This amount will be added to the amount of tuition you borrow, and included in the total loan principal amount you finance. This fee helps cover the administrative fees associated with originating the loan and charged by our partner bank. Please see terms in "More Info on Terms" above.

Please note: this fee is already reflected in the general APR outlined above and in the loan calculator. Interested in learning more about your interest rate vs. APR? Check out our blog post here.

How do I know if I’ve been approved for a loan?

Shortly after completing your loan application, you will receive provisional credit approval details via email and a confirmation window in the application. If you are credit approved, your loan will then be certified by Flatiron School. If you are not credit approved, you may be given the opportunity to amend your application with a cosigner.

How and when will I repay my loan?

You will start making full repayments (interest + principal) on your loan roughly one month after your Flatiron School program start date.

Upon loan acceptance, we will provide you with several options for making payments, including automated payments. You may create an account at at any time to manage payments and account balance.

Can I pay my loan faster than the initial term?

Yes, you can pre-pay your loan at any time without penalty.

What happens to my loan if I drop out from my program?

Regarding your tuition: You are responsible for the full amount you borrow plus accrued interest and fees. If you are owed a refund by Flatiron School, the refund transaction will be made to Skills Fund in the amount of the refund due (but in no event greater than what that we paid to Flatiron on your behalf). If there is a balance on your loan after any applied refund, you will be required to immediately start making monthly payments for the balance.

Who is Skills Fund?

Skills Fund's mission is simple: we transform student lives and careers by accelerating the growth of and access to high-quality skills education. With a team of leaders in student lending, higher education and consumer protection, Skills Fund pulls upon extensive expertise to create a financing platform that is transparent, fast, and offers students financial flexibility. Skills Fund believes bootcamps, lenders, and industry should share in ensuring student success - and that’s what we’re working daily to make happen.

Who is Southeast Bank and how is it related to Skills Fund?

Southeast Bank is a Tennessee-chartered bank, and is the lender for all Skills Fund loans.

Who is Aspire Resources Inc. and how is it related to Skills Fund?

Aspire Resources is a wholly owned subsidiary of Skills Fund's non-profit partner, Iowa Student Loan. Aspire Resources provides billing and customer service on behalf of Skills Fund, thus your payment notices and other loan communications will arrive with Aspire's logo on them (it's not junk mail!).

How do I ask more questions not covered in this FAQs section?

We are more than happy to answer any additional question you might have. Just fill the form below and we will be in touch soon!