Submitting your application is a simple process. 

1. Head over to the Climb Application page
2. Enter your personal details
   1. Legal name
   2. Contact information
   3. Social Security Number
   4. Income details.
3. Enter your program details
   1. Nexford program name
   2. Start date
   3. Tuition Amount
4. (Optional) Add co-borrower information
   1. You have the option to add a co-borrower to help you qualify or get a lower interest rate.
5. Review and submit
   1. You’ll see a sample loan disclosure before submitting.
6. Confirmation
   1. Once done, you’ll receive a confirmation message, a reference number, and access to your Climb Student Portal.

TIP: Make sure you apply under the correct school and program name so your loan connects properly to Nexford.

Check out this handy visual guide 

Once you have successfully secured your loan and received a confirmation message, a reference number, and access to your Climb Student Portal.

1. Start your Nexford application here
2. Once you have been accepted your Climb Credit loan can be processed and linked to your enrollment
3. Complete your enrollment and select your start date.
4. After your acceptance and loan confirmation, you can select your start date and begin your studies.

Tip: Even if you’re using Climb Credit, you can still qualify for up to 20% Nexford scholarship.

No. Climb is an additional option. You can choose between pay-per-course, Nexford’s monthly tuition plan, or Climb financing. The difference is that Climb lets you spread payments out over a longer period of time—even after graduation—while Nexford’s monthly tuition plan requires payment while you’re enrolled.

No. Climb is a private student loan option, not federal aid. That means no FAFSA paperwork, no complex government forms—just a fast, straightforward application.

If you aren’t approved right away, you can re-apply with a co-borrower. Many students increase their chances of approval by applying with someone who has a stronger credit profile.

Yes. Climb loans have no prepayment penalties. You can pay in full or make extra payments anytime.

Climb offers flexible repayment options, including a “MinPay” plan that allows you to make small payments while enrolled, with full repayment starting after graduation.