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Professional Certificate in Coding: Full Stack Development with MERN

Gain hands-on coding skills, for a competitive market edge.
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Program Overview: Professional Certificate in Coding from MIT xPRO

The Professional Certificate in Coding from MIT xPRO is a full stack web development program that equips you with the in-demand skills to work with JavaScript, React, Node.js, MongoDB, and Next.js.

Today, organizations are not just hiring coders; they are looking for developers who can design, build, and deploy complete web applications across the front end, back end, and cloud. Through expert-designed content and guidance from world-renowned MIT faculty, you will walk away with a portfolio of real-world projects and the confidence to contribute from day one. Accessible anytime, anywhere, the program equips you with job-ready technical skills to meet the demand for full stack software developers.

USD 131,397

is the average salary for a full stack developer in the United States.
Source: Indeed

267,700

is the projected increase in US software developer jobs from 2024 to 2034, a 16% growth rate.
Source: U.S. Bureau of Labor Statistics

Watch the Preview of the Program

Get a firsthand look at how this program builds foundational coding skills for tech-driven roles

    Who Is the MIT xPRO Professional Certificate in Coding Program For?

    • Career launchers: Early career professionals or aspiring developers seeking to start a career in a high-growth field. This structured program is ideal for those looking to build essential skills in the full stack web development life cycle, from front-end UI to back-end logic and cloud deployment. Participants gain the ability to design, code, and deploy entire web applications using the MERN stack (MongoDB, Express, React, and Node.js), supported by hands-on guidance and a portfolio of real-world projects.

    • Career builders: Professionals with prior experience in coding, JavaScript, or front-end development who want to become full stack developers. Participants gain experience working with React Hooks, GraphQL, containerization, and CI/CD pipelines and launching production-ready applications.

    • Career switchers: Mid- or later-career professionals from nontechnical fields, including marketing, sales, design, or operations, who are ready to transition into software development roles with industry-relevant tools, hands-on projects, and mentorship. This program prepares participants to build complete applications, including secure dashboards, APIs, and deployments using modern frameworks such as Next.js and Firebase.

    • Technical builders and entrepreneurs: Product managers, startup founders, and independent builders who want the technical ability to design and launch complete web applications. This program is ideal for those looking to prototype MVPs, experiment with APIs, and take projects live — from front-end UI to back-end databases and cloud deployment.

    Note: Participants should have a basic foundation in the following coding languages: HTML, CSS, and JavaScript. Participants do not need to have professional coding experience, but prior coding experience, including self-taught coding and/or beginner-level coding programs, will be helpful.

    What You Will Learn in the Professional Certificate in Coding Program

    This program is organized into three main phases using the MERN stack: web development, front-end development/React, and back-end development. Each module builds on the next and is designed to prepare you to enter the job market as an entry-level full stack developer or to specialize in one of these areas with further skill development.

    Develop foundational skills in web development, using HTML, CSS, and JavaScript. Learn how to structure and style websites, write clean and efficient code, and interact with the Document Object Model (DOM). You will begin building your personal GitHub portfolio to showcase your progress. This phase also introduces important tools and concepts, including version control, unit testing, and cybersecurity fundamentals, alongside modern ES6 features.

    • Module 1: Getting Started with Web Development (HTML, CSS, and Box Model)

    • Module 2: Website Layouts 

    • Module 3: Introduction to JavaScript

    • Module 4: Control Structures, Functions, and Data Structures

    • Module 5: Advanced JavaScript (Arrays, Functions, Scopes, and Modules)

    • Module 6: The Document Object Model (DOM)

    • Module 7: Graphics Animation and Callbacks

    • Module 8: Fetching Data and Recursive Functions

    • Module 9: Creating a GitHub Portfolio

    • Module 10: Introduction to Cybersecurity and ES6

    Deep dive into front-end development using React — a widely used framework in modern web development. Learn how to build modular, scalable, and interactive user interfaces by using React components and JavaScript ES6. The topics include component-based architecture, state management, form handling, routing, and React Context. You will also explore real-world application structure through projects such as Bad Bank and a Tic-Tac-Toe game, gaining hands-on experience with user interface logic and design patterns.

    • Module 11: Introduction to React and JSX

    • Module 12: Objects in React and JSX

    • Module 13: Working with Forms and CRUD Operations in React

    • Module 14: Components in React

    • Module 15: Fetching Data and Routing

    • Module 16: Context in React and the Bad Bank Challenge

    Gain confidence in the MERN stack by learning how to manage servers, databases, and APIs using MongoDB, Express.js, and Node.js. Explore modern web development tools, including GraphQL, serverless architecture, containerization with Docker, and CI/CD pipelines on AWS. Build a solid foundation in DevOps practices, security (OAuth2, Okta), and automated testing, culminating in a full stack capstone project built with Next.js that is fully deployable.

    • Module 17: Back-End Development and Databases 

    • Module 18: Handling Databases

    • Module 19: Working with APIs 

    • Module 20: Swagger and “Holy Grail” Web Design

    • Module 21: Containers and Docker

    • Module 22: Serverless Databases

    • Module 23: Advanced Security and Testing 

    • Module 24: Continuous Integration, Continuous Deployment, and DevOps

    • Module 25: Building a Full Stack Application with Next.js: Front End

    • Module 26: Building a Full Stack Application with Next.js: Back End

    Live Sessions

    1. If You Can Not State the Spec, You Are Coding on Vibes

    Learn to avoid “vibe coding” — copying, pasting, or prompting AI without clear intent. In this session, you will learn how to define the specification first by identifying inputs, outputs, and edge cases and then write concise pseudocode before implementing any code.

    2. Know When to Use AI — and When to Say No

    Learn to assess when AI is appropriate in the development process. You will identify situations when ambiguity is acceptable (e.g., ideation or first drafts) and when precision, confidentiality, or compliance requires human-driven decisions.

    3. Safety Means Noticing Who Benefits — and Who Doesn’t

    Learn to recognize when bias can emerge in development and AI-supported workflows. This session explores human-centered checks and transparent criteria to reduce harm, support more equitable outcomes, and design responsibly.

    4. Pick AI on Purpose — or Ship a Simpler, Safer Tool

    Learn to choose AI only when it delivers clear value. You will compare AI-based approaches with rules or UX improvements and understand how to evaluate user risk and uncertainty and define human fallback paths when needed.

    Note: Live session topics are subject to change.

    Program Highlights

    SLP - MO-PCCO - Earn a certificate - Icon

    Earn a certificate and 52 Continuing Education Units (CEUs) from MIT xPRO

    SLP - MO-PCCO - Insights and coding - Icon

    Insights and coding demos from renowned MIT faculty

    SLP - MO-PCCO - Market-ready coding - Icon

    Market-ready coding skills in a high-growth market

    SLP - MO-PCCO - GitHub portfolio - Icon

    GitHub portfolio to share with potential employers

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    More than 24 hands-on modules covering front end, back end, security, containerization, and cloud deployment

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    Capstone projects using Next.js, deploying a functional financial dashboard front and back end with authentication

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    Mentorship workshops offering industry insights, career positioning, and project feedback

    Decorative image relating to Portfolio-ready deliverables

    Portfolio-ready deliverables: Deployable MERN apps, API services, and secure dashboards, all shared via GitHub

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    Practical DevOps exposure: Docker, CI/CD pipelines, serverless deployments, and AWS tooling

    Key Takeaways

    • Apply three web development languages: HTML, CSS, and JavaScript

    • Build, test, and deploy a web application using the MERN stack

    • Build, test, and deploy APIs

    • Build, test, and deploy a front-end web application using React

    • Create a GitHub portfolio of your work to present to potential employers

    Capstone Project

    In the final part of the program, learners will need to develop a fully functional website using the MERN stack for their final project. They’ll be able to add this website to their GitHub portfolio to highlight their programming skills. This assignment will be graded by your Learning Facilitator, who will provide personalized feedback.

    Career Preparation and Guidance

    Stepping into a career in software and full stack web development requires a variety of hard and soft skills. This course offers you guidance for navigating a career path into tech, including crafting your elevator pitch and communication tips. These services are provided by Emeritus, our learning collaborator for this program. The program support team includes course leaders to help you reach your learning goals. The primary goal is to give you the skills needed to be prepared for a job in this field, however, job placement is not guaranteed.

    There is a career preparation aspect to this program, which includes:

    • Crafting your elevator pitch

    • LinkedIn profile tips

    • Resumes/cover letters

    • Navigating your job search

    • Interview tips and preparation

    • Negotiating salary

    • Building confidence and being assertive

    • Advancing in your career

    Career exercises focused on launching a career as a developer:

    • Building your personal brand and promoting your skills

    • Communicating technical concepts to non-technical colleagues

    • Understanding the roles and workflow of Agile development

    • Reflecting on your skills to learn how to troubleshoot and learn more quickly

    • Job search and interviewing for developer positions

    Seamless Learning, Anywhere

    Why MIT xPRO?

    The Massachusetts Institute of Technology (MIT) is recognized globally as a leader in technology, artificial intelligence, and innovation, driving industry transformation through groundbreaking research and real-world application. Founded in 1861 and ranked #1 in Forbes America’s Top Colleges list, MIT has built a legacy of excellence in academic rigor, pioneering discoveries, and cross-disciplinary collaboration. MIT xPRO brings this expertise to professionals worldwide, offering executive-level programs that translate cutting-edge research into practical frameworks for leadership, innovation, and impact in a technology-driven world.

    Meet the Faculty

    Program Faculty - JOHN R. WILLIAMS
    JOHN R. WILLIAMS

    Professor of Information Engineering in MIT Department of Civil and Environmental Engineering

    John Williams holds a BA in Physics from Oxford University, an MS in Physics from UCLA, and a Ph.D. in Numerical Methods from University of Wales, Swansea. His research focuse...

    Program Faculty - ABEL SANCHEZ
    ABEL SANCHEZ

    Executive Director, Research Scientist, Laboratory for Manufacturing and Productivity, MIT

    Dr. Abel Sanchez holds a Ph.D. from the Massachusetts Institute of Technology (MIT). He is the Executive Director, Research Scientist,
    Laboratory for Manufacturing and Product...

    Past Participants Profiles

    Top Industries

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    Work Experience

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    Where Past Participants Come From

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    Top Job Functions

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    Disclaimer: The information presented here is indicative and non-exhaustive.

    Hear from Past Participants

    “The best part of the program for me was learning new skills I hadn’t worked with before, such as GitHub, Docker, and documenting APIs. It also gave me the chance to test both the front-end and back-e...
    James Douglas
    Flagger, Northeastern Pavers Inc.
    “The best part of this program was the coding activities with Next.js. These hands-on exercises allowed me to directly apply the concepts I learned in a practical, real-world context. This interactive...
    Billy Mathis
    Owner/Consultant, Market Instincts
    “My favorite part of the program was seeing how doable troubleshooting can be and learning that frustrations can be turned into learning opportunities.”
    Cade Christensen
    Final Assembly, Western Systems Inc.
    “I gained good hands-on experience working on a variety of programming projects and learned how to troubleshoot and research my issues.”
    Bianca Sauceda
    Landscaper, JR's Landscaping
    “I really enjoyed receiving the information through video, text, practical exercises, and Codio learning environments. It helped reinforce my understanding.”
    Andrew Goulet
    Senior Quality Assurance Analyst (Call Center), Cognizant
    “The easy instructions made it possible to turn code into a highly functional program. It gives you an ‘I did it’ moment.”
    Marquis Wilkins
    Programmer, Boeing
    “The best parts of this program were the projects and assignments. They allowed me to apply the concepts I learned and helped solidify my knowledge.”
    Chelsea Price
    Healthcare Contract Coordinator, Pinnacol Assurance
    Example image of certificate that will be awarded upon successful completion of the program

    Certificate

    Get recognized! Upon successful completion of this program, you receive 52 Continuing Education Units (CEUs), a globally recognized measure of professional learning that reflects compliance with international quality standards, and a certificate of completion from MIT xPRO.

    This program is graded as a pass or fail; participants must receive 75 percent to pass and obtain the certificate of completion.

    After successful completion of the program, your verified digital certificate will be emailed to you, at no additional cost, in the name you used when registering for the program. All certificate images are for illustrative purposes only and may be subject to change at the discretion of MIT.

    FAQs

    The Professional Certificate in Coding from MIT xPRO is a full stack developer course designed to help participants gain expertise in building complete web applications. Covering the MERN stack (MongoDB, Express, React, and Node.js) and Next.js, the program equips you with both front-end and back-end expertise. With hands-on coding projects, real-world applications, and guidance from MIT faculty, you will gain the confidence to contribute as a full stack developer.

    A MERN stack web development program focuses on teaching MongoDB, Express, React, and Node.js. These tools are widely used in modern web development to create scalable, cloud-ready applications. The Professional Certificate in Coding program from MIT xPRO takes MERN learning further by also including Next.js, GraphQL, containerization, and CI/CD, ensuring you develop industry-relevant skills that go beyond the basics.

     Yes. MERN stack key technologies (MongoDB, Express, React, and Node.js) remain widely used in web and application development because of their scalability, flexibility, and active developer community. In fact, they are foundational tools for modern full stack software development. MIT xPRO’s program goes beyond MERN by also including Next.js, GraphQL, and DevOps training, ensuring your skills stay relevant in the job market of today and the future.

    Whether a full stack web development program is worth it depends on your career goals, coding background, and the skills you want to build. For participants seeking both front-end and back-end coding expertise, MIT xPRO’s Professional Certificate in Coding program offers career-focused training, hands-on projects, and a portfolio that highlights your abilities to employers. With full stack developers earning an average salary of USD 131,397 in the US (Source: Indeed), this program provides structured learning to help participants prepare for opportunities in a high-growth career path.

    The best full stack development course will depend on your career goals, the skills you want to build, and the type of learning experience you are looking for. MIT xPRO’s Professional Certificate in Coding program combines technical knowledge with hands-on assignments, covering both front-end frameworks and back-end systems. With flexible online delivery, guidance from MIT faculty, and a real-world project that builds a portfolio, the program is designed to equip learners with practical expertise and confidence for full stack development roles.

    Full stack development training can play an essential role in preparing you for software development roles by building both front-end and back-end expertise. Many developers enter the field through hands-on coding experience combined with structured learning. The Professional Certificate in Coding from MIT xPRO provides that structure by covering UI design, APIs, databases, and cloud deployment, reinforced through a MERN stack capstone project. This combination of technical depth and practical application helps position learners for real-world developer opportunities.

    MIT xPRO’s full stack web development program, titled Professional Certificate in Coding, typically takes 26 weeks to complete, requiring about 15–20 hours of study per week. The flexible format allows professionals to balance coursework with career and personal commitments.

    You do not need professional coding experience but a basic foundation in HTML, CSS, and JavaScript is recommended. Prior exposure, whether through self-study or beginner-level coding courses, will help you get the most out of the program. This full stack web development program from MIT xPRO then builds on this foundation, guiding you into advanced coding concepts, including API development, back-end logic, and cloud deployment.

    Participants of a full stack web development program like MIT xPRO’s Professional Certificate in Coding often pursue roles including full stack developer, front-end developer, back-end developer, or software engineer. With a MERN stack foundation and a GitHub portfolio, participants are prepared to contribute to startups, enterprises, and product teams from day one.

    The Professional Certificate in Coding from MIT xPRO is unique because it goes beyond coding tutorials. It combines instruction from renowned MIT faculty with more than 24 hands-on modules, a real-world capstone project, and practical DevOps exposure. Participants gain experience with the MERN stack and Next.js, along with tools such as Docker, CI/CD pipelines, and AWS. In addition, the program includes career guidance, mentorship workshops, and a certificate of completion from MIT xPRO, equipping learners with both the technical skills and professional confidence to succeed.

    The value of a full stack development program comes from the combination of technical skills, hands-on practice, and career preparation it provides. MIT xPRO’s Professional Certificate in Coding program blends front-end, back-end, and cloud development using the MERN stack and Next.js with modern tools like containerization, serverless databases, and DevOps practices. Participants also gain a GitHub portfolio and career support, including resume reviews, LinkedIn guidance, and interview preparation. This blend of full stack development training and career services ensures lasting value for your professional growth.

    The tuition fee for the Professional Certificate in Coding from MIT xPRO can be found on the program page. The fee includes academic content, online coursework, project feedback, and access to MIT faculty-led learning. Flexible payment options and early enrollment benefits may also be available through Emeritus, MIT xPRO’s learning collaborator.

    Many learners transition into full stack development later in their careers. The demand for skilled developers continues to grow, and employers often value diverse professional backgrounds. MIT xPRO’s Professional Certificate in Coding program supports career switchers as well as career builders by offering structured guidance, hands-on projects, and a certificate that validates technical skills — helping professionals at any stage confidently pursue opportunities in web development.

    How do I know whether this program is right for me?

    After reviewing the information on the program landing page, we recommend you submit the short form above to gain access to the program brochure, which includes more in-depth information. If you still have questions on whether this program is a good fit for you, please email learner.success@emeritus.org, and a dedicated program advisor will follow up with you very shortly.

    Are there any prerequisites for this program?

    Some programs do have prerequisites, particularly the more technical ones. This information will be noted on the program landing page and in the program brochure. If you are uncertain about program prerequisites and your capabilities, please email us at learner.success@emeritus.org for assistance.

    What are the requirements to earn a certificate?

    This is a graded program. You must complete a combination of individual assignments, quizzes, and a final project. Each component carries a certain number of points, and a cumulative score of 75% is required to pass and obtain your professional certificate.

    Will I be guaranteed a job upon completion of the program?

    The primary objective of this program is to give you the skills you need to be prepared for a job in this field. While eligible participants will receive career coaching and support and may receive introductions to our hiring partners, job placement is not guaranteed.

    How much time will I be expected to devote to this program?

    Each program includes an estimated learner effort per week. This is referenced at the top of the program landing page under the “Duration” section and in the program brochure, which you can obtain by submitting the short form at the top of this web page.

    How will I spend my time in this program?

    You will divide your learning time between viewing recorded coding demos, and video lectures, contributing to class discussions; completing assignments, projects, and knowledge checks, and attending optional live sessions with industry experts and program leaders.

    How is the program administered? Can the program be accessed at any time?

    The program is accessed through the custom learning portal. This portal will give you access to all program-related content including video lectures, assignments, and discussions. Live office hours will be conducted using a webinar tool. The video lectures and assignments are accessible weekly throughout the program. In the event you miss a live session, a recording will be made available.

    Do I need to attend live sessions every week?

    Faculty video lectures are recorded, allowing you to watch them on your own schedule. However, participation in optional live sessions and discussion boards is highly encouraged. Live sessions will give you the opportunity to draw on the coding experience of our industry-experienced program leaders to answer your questions and help reach your learning goals. The discussion boards are also an integral part of the learning experience, giving you and your peers the opportunity to learn together and receive guidance from the moderators.

    Can I download the program videos?

    You can download video transcripts, assignment templates, readings, etc. However, the video lectures are only available for streaming and require an internet connection.

    How do I interact with other program participants?

    You can communicate with other participants through our learning platform. You will be able to form groups based on your interests and location. A direct messaging feature is also available through the platform.

    What is it like to learn online with the learning collaborator, Emeritus?

    More than 350,000 learners across 80 countries have chosen to advance their skills with Emeritus and its educational learning partners. In fact, 90% of the respondents of a recent survey across all our programs said that their learning outcomes were met or exceeded. All the contents of the course would be made available to participants at the commencement of the program. However, to ensure the program delivers the desired learning outcomes the students may appoint Emeritus to manage the delivery of the program in a cohort-based manner the cost of which is already included in the overall program fee. A dedicated program support team is available 24/5 (Monday to Friday) to answer questions about the learning platform, technical issues, or anything else that may affect your learning experience.

    What is the relationship between Emeritus and MIT xPRO?

    Emeritus and MIT xPRO collaborate to create and deliver educational programs. None of these programs are Title IV-eligible.

    What are the requirements to earn the certificate?

    Each program includes an estimated learner effort per week, so you can gauge what is required before you enroll. This is referenced at the top of the program landing page under the “Duration” section and in the program brochure, which you can obtain by submitting the short form at the top of this web page. All programs are designed to fit into your working life. This program is scored as a pass or no-pass; participants must complete the required activities to pass and obtain the certificate of completion. Some programs include a final project submission or other assignments to obtain passing status. This information will also be noted in the program brochure. Please contact us at learner.success@emeritus.org if you need further clarification of any specific program requirements.

    What type of certificate will I receive?

    Upon successful completion of the program, you will receive a verified digital certificate. The verified digital certificate can be shared with friends, family, schools, or potential employers. You can use it on your cover letter, résumé, and/or display it on your LinkedIn profile. The digital certificate will be sent approximately two weeks after the program, once grading is complete.

    Can I get the hard copy of the certificate?

    At the moment, only verified digital certificates are issued upon successful program completion. This allows you to share your credentials on social platforms including such as LinkedIn, Facebook, and X (formerly Twitter).

    Do I receive alumni status after completing this program?

    There is no alumni status granted for this program. In some cases, there are credits that count toward a higher level of certification. This information will be clearly noted in the program brochure.

    How long will I have access to the learning materials?

    You will have access to the learning platform and all program materials (videos excluded) for one full year following the program end date. Access to the learning platform is restricted to registered participants per the terms of agreement.

    What equipment is needed, or what are the technical requirements for this program?

    To successfully complete this program online, you must have access to a device meeting the minimum requirements, mentioned here. In addition, Microsoft Office or similar product and a PDF viewer are required to access documents, spreadsheets, presentations, PDF files, and transcripts in all programs. Technical programs might have additional tech requirements. Please check the learning platform on the first day of class.

    Do I need to be online to access the program content?

    Yes, the learning platform is accessed via the internet. You can download files of video transcripts, assignment templates, readings, etc; however, video lectures, webinars, and small group sessions will require an internet connection; video content is not available for download.

    What is the program fee, and what forms of payment do you accept?

    The program fee is shown at the top of this page and payment must be made in US dollars only. Flexible payment optionsgroup enrollment benefits, and referral bonus are available. Tuition assistance may be available for participants who qualify. Please contact your program advisor to discuss.

    What if I don’t have a credit card? Is there another mode of payment accepted?

    Yes, you can do the bank remittance in USD via wire transfer. Please contact your program advisor for more details.

    Is there an option to make flexible payments for this program?

    Yes, flexible payment options are available for this program. We partner with loan providers to offer you flexible and transparent loan options. More information about loan financing is available here. Installment payments are also available—; you can find the options here.

    Does the program fee include taxes? Are there any additional fees?

    Yes, the program fee is inclusive of any taxes with the exception of GST for Singapore residents.

    Who will be collecting the payment for the program?

    Emeritus collects all program payments, provides learner enrollment and program support, and manages learning platform services.

    Are there any restrictions on the types of funding that can be used to pay for the program?

    Program fees for Emeritus programs with MIT xPRO may not be paid for with (a) funds from the GI Bill, the Post-9/11 Educational Assistance Act of 2008, or similar types of military education funding benefits or (b) Title IV financial aid funds.

    What is the program refund and deferral policy?

    For the program refund and deferral policy, please click the link here.

    Financing Options

    We offer several options to help you afford tuition for the Professional Certificate in Coding: Full Stack Development with MERN Program.

    Referrals – You and a colleague can each receive $765 off your tuition when you enroll together. Refer now

    Group enrollments – A discount of up to 20% is available for group enrollments. For more information, email group-enrollments@emeritus.org

    US Residents

    SALLIE MAE*

    *At the time of loan application, please select ‘Undergraduate students’ when prompted.

    CLIMB CREDIT

    •  Immediate repayment, interest-only repayment, and deferred payment options are available. Click here to know more.

    Indian Residents

    Eduvanz

    Flexible Payment Options

    You can opt for any one of the financing options to cover up to the full cost of the program tuition. If you are considering financing your program through one of our partners, the enrollment process can only be completed with the assistance of your program advisor.

    Please note that loan applications should be submitted no later than four business days prior to the enrollment deadline due to processing time.

    What is Sallie Mae?

    Sallie Mae is one of the largest private student loan lenders in the industry.

    What is the process to apply for a loan?

    Once you’ve applied for your program, you can then apply for a loan with Sallie Mae. When approved, you’ll choose your interest rate and your repayment option and sign the loan documents. The lender will send the tuition directly to your school.

    How long will it take until I get a decision?

    You can receive a credit result is as few as 15 minutes.

    Do I need a cosigner?

    If you don’t have a credit history, you will need a cosigner for your loan. A cosigner can be a parent, relative, or any other creditworthy individual. Their good credit history may help you get a loan.

    When does loan payback begin?

    You can make your first payment about one month after your program starts (fixed repayment or interest repayment) or six months after your program ends (deferred repayment).

    How long will I be making payments?

    Most loans have a 10-year standard repayment. When you apply for the loan, you will be given more information on the repayment plan.

    How do I find out how much my monthly payment is?

    You can find your monthly payment on the Monthly Payment Calculator here.

    Are there any circumstances that would allow me to put my loan payments on hold?

    Delinquency occurs when you fail to pay all or part of your monthly student loan payment. You could be eligible for a student loan deferment, which would allow you to temporarily reduce or postpone payments on your student loans in special circumstances.

    Can I pay off my loan early?

    There is no penalty for paying your loan off early or paying extra throughout the life of your loan. You have the flexibility to make early payments of fully pay off your loan without prepayment fees.

    What is Climb Credit?

    Climb Credit is a new kind of student lender.

    Climb believes education is an investment and should be treated that way — we partner with schools offering career-focused education, and then provide accessible and affordable loans to attend these schools.

    What is the process to apply for a loan?

    Simply type your school's name into the search bar after clicking "Apply now" to find a link to the application page. From there, you'll be able to complete our short online application.

    You may also have received a link to apply for a Climb loan from your school’s admissions team, or you can find the link on your school’s website or Climb's website. Apply using your laptop, tablet, or phone.

    You'll want to make sure you fill out an application for the specific school and program you'll be attending. We link our loans to each course, so your school will know you've been approved for a loan with us and that we'll be sending your tuition to them.

    How long will it take until I get a decision?

    On average, 4:01 minutes — and just applying will not impact your credit score. We know that your time is valuable, so we’ve kept our application as short as possible.

    Do I need a cosigner?

    No. Climb only fund loans for students who are attending the program. The program attendee should always be the primary borrower on the application.

    During your application, you will have the option to add a co-borrower. If you have a co-borrower with a better credit score that you, adding them to your loan application can potentially help you get approved and/or receive a lower interest rate offer.

    If my application is accepted, am I committed to using the financing?

    No. Applying for Climb financing is free and comes and carries no commitment until you accept and finalize the loan. The initial application will not affect your credit score, and you are free to decline your loan offer if you change your mind about financing.

    What are the terms of the loan?

    To view the equation used to calculate your interest and monthly payments, check out this article HERE!

    When does loan payback begin?

    Depending on your program, we may offer loans with either an initial interest-only period while in class and for a few months after, a full deferral period while in class and for a few months after, or immediate full repayment.

    For loans with an interest-only period or immediate full repayment, your first payment is due one month after your loan is funded.

    How long will I be making payments?

    Climb's standard loan tenor is 36 months, but you can pay any time before that, as there is no pre-payment penalty. You can repay your 3-year loan in 3 years or in 1 day.

    Climb's goal is to make sure that your monthly payments stay low and affordable, which is why we give you the option to choose your term length when you apply.

    Master’s students can choose between a 2-year or a 3-year repayment term.

    Doctoral students can choose between a 4-year or a 5-year repayment term.

    How do I find out how much my monthly payment is?

    This amount is mentioned in your loan agreement.

    Are there any circumstances that would allow me to put my loan payments on hold?

    In order not to fall behind on your Climb loan payments, you can request a deferral of payments on your loan. A deferment will allow you to temporarily reduce your monthly loan payment amount.

    Can I pay off my loan early?

    Absolutely! You can pre-pay your loan, in whole or in part, at any time with no penalties.

    Didn't find what you were looking for? Write to us at learner.success@emeritus.org or Schedule a call with one of our Program Advisors or call us at +1 315 640 4846 (US) / +44 141 673 6416 (UK) / +65 3138 2327 (SG)

    Flexible payment options available.

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