At Lumni, we do things differently. First and foremost, our goal is to help you succeed in college and in your career. To do that, we help you pay for college in a manageable way, provide assistance for you while you are there, and help support you once you graduate. Instead of a loan, where you have to pay back the amount you owe plus interest, at Lumni you pay back a fixed % of your paycheck for a set period of time. If your funded amount is small, you have a low-paying job, or you can’t find work, the payments are low. Repayment doesn’t begin until you get your first job after graduation.

Select Latin America countries only.

Align’s Income Share Agreements (ISAs) Are More Flexible Than a Personal Loan. Instead of repaying at a set interest rate, your ISA payments to Align are based on a percentage of your income. So if your income goes down, so do your payments, potentially all the way to zero.

Simple. Fast. Fair.

With an ISA, you pay a small, fixed percentage of your future earned income over a 5 year term following graduation. We look at where you’re going, not where you’ve been, so rates are based on your expected earnings based on your program of study. Payments tied to income give students confidence that payments remain affordable, no matter their earnings. Because we only succeed when you do, we’re incentivized to help make your dreams a reality, which is why we provide career support, downside protection, a grace period, and a minimum income threshold to each student we fund. It’s time to rethink how you pay for school!

Currently expanding funding base.