Financing Options | Level Effect

	Climb Credit Loan	Climb Credit Payment Plans	Meritize Loan	Level Effect Pay in Full	Level Effect Custom Payment Plan via MIA Share
Financing Details - interest rates subject to change.
Credit Score Impact Any potential impact to your credit score when applying to a financing option.	No impact for applying	No impact for applying	No impact for applying	N/A	No impact for applying
Terms The number of months in the financing option.	36 months	6, 12, 18, 24 months	18, 36, 60 months	N/A	1 to 18 months
Interest Rates Typical range of interest applied on financing option. *Please note for Climb Credit Loans - Annual percentage rates (“APRs”) on Climb loans range from 0.00%–26.47%. Interest rate caps may be lower in some states due to state requirements. APRs are charged for borrowing and are expressed as a percentage that represents the actual yearly cost of funds over the term of a loan. The APR includes a 5% origination fee, where permissible.	0% - 26.47%*	0%	4.44% - 26.29%	N/A	0%
Deposit Required The Cyber Defense Analyst Bootcamp requires a non-refundable $1,000 deposit to reserve your seat.
Approval Odds Approval percentage by financing option.	Credit worthiness dependent	100% approval	Credit worthiness dependent	N/A	100%
Tuition Discounts Discounts off of tuition by financing option. Financing discounts stack on top of other discounts. $1000 off Pay in Full cannot be combined with VetSec discount.	$500 OFF	N/A	N/A	$1,000 OFF	N/A
Early Bird $500 Discount If you register 4 weeks before the course start date we'll grant an additional $500 discount that stacks with others.
First Responder $500 Discount “First Responder” includes a firefighter, law enforcement officer, paramedic, or emergency medical technician.
VetSec Members $2,500 Discount You must be Active-Duty or a Veteran and a member of VetSec to receive this discount. See our Cyber Defense Analyst Bootcamp page on how to register with VetSec. *Cannot be used with other discounts.
Payments Begin When payment typically start for the financing option.	Course start	Course start	Course start	N/A	Course Start

Discovery call with us

Apply to financing option

Get approved and finalize application

Pay required deposit to Level Effect

Begin cohort onboarding

Cohort Starts

Depending on financing option chosen, begin making payments.

Financing isn't an option for everyone

We understand that some individuals don't have the option to utilize financing to change their career trajectory. We've formed our own scholarship to help those who need support in funding their career change. If this sounds like you, please read more about our Open Doors Scholarship.