How We're Different

To understand our financial more, let's take a look at a few scenarios:

Scenario Opportunity@Work
Financing
Private Loan
After training you are unemployed or earn less than $35K per year. You owe $0. No payments are required while you earn $35K per year or less. You owe principal and interest. Your interest accrues even if your payments are deferred. You pay until everything is paid off; loans are not erased even in bankruptcy.
After training you earn between $35K-$50K per year. You pay 6.5% of your income for 5 years. You only pay for 5 years even if the sum of your payments is less than the full amount of tuition (i.e. $14,950, the financed amount). You owe the same amount of principal and interest even if payments become unaffordable.
After training you earn between $50K-$75K per year. You pay 6.5% of your income for 5 years, which will completely repay the financed amount and pay forward towards supporting future student training not banks. You pay your loans on time with interest.
After training you earn over $75K per year. You pay 6.5% of your income for 5 years. Your payments will not increase if you earn more than $90K per year and you can prepay. Your repayments pay forward towards funding future students not banks. You pay your loans on time with interest or may pay them off ahead of time to save on interest.

For more detailed information, check out our comparison chart!