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For students

Learn the best skills, without the stress of paying upfront

We give you all the information you need to make a decision on which course, bootcamp, and financing option works best for your personal situation.

Explore Courses

Trusted by graduates who now work at industry-leading companies

Learn with no financial barriers

Change your career

1

Choose a course

We partner with over 50 partner schools like Ironhack, The Bridge, and UpgradeHub. In order to give you access to the best bootcamps remotely and on site.

2

Apply for financing

Once you have an idea of which school and course interests you, it's time to find out which financing options we can offer you.

3

Learn & earn

If you are approved by StudentFinance, you can concentrate on your studies, without the worry of how you will pay for it. Once you graduate, we’ll also help you with unique resources to get you a great job.

FAQs

UK FAQs

Here are some of our most frequently asked questions. For all Help & Support please visit our Help Centre.
What are the key terms of a Shared Income Agreement?
Shared Income Agreement Amount:
The amount of the loan which corresponds to the amount of your tuition.

Income Share Percentage:
The percentage of monthly income you will repay.

Required Repayments:
The number of monthly repayments required to fulfill your Shared Income Agreement obligation.

Final Repayment Date:
A Shared Income Agreement in good standing ends either when the cap is reached, the maximum number of repayments are paid or when the final repayment date is reached, even if - based on your monthly earned income - you have been required to pay less than the SIA amount or nothing at all.

Minimum Income Threshold:
The income that you must be earning in order to make repayments. If you are earning below that, then repayments are paused.

Repayment Cap:
The maximum amount you can be obligated to share, expressed as a multiple of the Shared Income Agreement amount.
What are the ways a Shared Income Agreement ends?
A Shared Income Agreement ends when one of these events occurs first:
(i) the student reaches the Maximum Number of Repayments (Repayment term);
(ii) the student reaches the Repayment Cap; or
(iii) the Final Repayment Date is reached (it ranges from 7 to 10 years from the date the contract is signed).
What is the risk associated with a SIA?
As with any financial product, the terms, conditions and risks should be carefully considered. It is important that you review your Shared Income Agreement contract and understand your obligations. We ensure that we are transparent with the Shared Income Agreement terms and conditions so that you find no surprises.
What happens if my income falls below the minimum income threshold?
If you are below the minimum income threshold and have proof, then you will not be required to make payments. For example, suppose the minimum income threshold for your Shared Income Agreement is £2,000 gross per month (equivalent to £24,000 gross per year). If your gross income falls below £2,000 gross per month, your repayments will pause during those months. Your repayments will resume when your gross income is at or above the minimum threshold established in your Shared Income Agreement contract.
Which documents do you accept for proof of gross income?
When reporting your income you must provide documentation as proof. Examples of accepted documents are as follows:
- Payslips / invoices.
- Contract of employment.
- Government unemployment letter.
- Employer letter for parental leave.
- Medical letter for long-term sickness.
What would happen if I fail to report my income?
If you fail to report your income we will assume an Automatic Monthly Contingent Repayment amount. We calculate this as 1.5x the agreed minimum monthly income threshold (times by your share amount) between months 4-9 post-graduation. This is raised to 2x at month 10.

Example calculation:
Months
1-3
4-9
10+
Automatic Monthly Contingent Repayments
£0
£375
£500
Minimum Income Threshold
£25,000
£25,000
£25,000
Which documents do you accept for UK proof of net income & expenses?
When completing the net income and expense form you will need to provide a document as verification of the values you have stated. We accept standard bank statements in both digital and scanned forms.
Do I still have to repay if I don’t finish the programme?
The total amount you are contractually obliged to pay back will reflect your education provider’s dropout policy (this will be included in your contract). The day you inform both your education provider and StudentFinance your intention to terminate the course will be considered your drop out day and will be used to calculate the amount outstanding on a prorated basis. If your Shared Income Agreement needs to be prorated, we will always first check the percentage of days you studied (start date - informed drop out date), and we will use this same percentage to calculate the remaining amount to repay from your Shared Income Agreement cap value and remaining max repayments.

Europe FAQs

Here are some of our most frequently asked questions. For all Help & Support please visit our Help Centre.
What are the key terms of a Income Share Agreement?
Income Share Agreement Amount:
The amount of the loan which corresponds to the amount of your tuition.

Income Share Percentage:
The percentage of monthly income you will repay.

Required Repayments:
The number of monthly repayments required to fulfill your Shared Income Agreement obligation.

Final Repayment Date:
A Shared Income Agreement in good standing ends either when the cap is reached, the maximum number of repayments are paid or when the final repayment date is reached, even if - based on your monthly earned income - you have been required to pay less than the SIA amount or nothing at all.

Minimum Income Threshold:
The income that you must be earning in order to make repayments. If you are earning below that, then repayments are paused.

Repayment Cap:
The maximum amount you can be obligated to share, expressed as a multiple of the Shared Income Agreement amount.
What are the ways a Income Share Agreement ends?
A Income Share Agreement ends when one of these events occurs first:
(i) the student reaches the Maximum Number of Repayments (Repayment term);
(ii) the student reaches the Repayment Cap; or
(iii) the Final Repayment Date is reached (it ranges from 7 to 8 years from the date the contract is signed).
What would happen if I fail to report my income?
If you fail to report you income we will assume a default repayment amount. We calculate this as 1.5x the agreed Minimum Income Threshold between months 1-9 post-graduation and 2x for months 10+ post-graduation.
Does your product cost anything before I earn above the threshold?
We charge 5€ per month in servicing fees. This is to ensure the payment method you have connected is operational. If you are above the threshold then we do not charge this additional 5€. The total fees taken during this period will be subtracted from your last repayment so you don’t actually pay more than the original agreed amount.
What is the risk associated with a ISA?
As with any financial product, the terms, conditions and risks should be carefully considered. It is important that you review your Income Share Agreement contract and understand your obligations. We ensure that we are transparent with the Income Share Agreement terms and conditions so that you find no surprises.
What documents do you accept for proof of gross income?
When reporting your income you must provide documentation in the form of payslips, official unemployment status, other any other government verified proof. As well as documentation related to other sources of gross income such as invoices or tax sheets.
Do I still have to repay if I don’t finish the programme?
The total amount you are contractually obliged to pay back will reflect your school dropout policy. The day you inform both the school and StudentFinance your intention to terminate the course will be considered your drop out day and will be used to calculate the amount outstanding on a prorated basis. If your Income Share Agreement needs to be prorated, we will always first check the percentage of days you studied (start date - informed drop out date), and we will use this same percentage to calculate the remaining amount to repay from your Income Share Agreement cap value.
What happens if my income falls below the minimum income threshold?
You will be charged 5€ (servicing fee) for each period your gross income is below the minimum income threshold. For example, suppose the minimum income threshold for your Income Share Agreement is 2,000€ gross per month (equivalent to 24,000€ gross per year). If your gross income falls below 2,000€ gross per month, your repayments will pause during those months. Your repayments will resume when your gross income is at or above the minimum threshold established in your Income Share Agreement contract and remaining max repayments.