We feel strongly that you should be able to change careers at any time in your life. No matter what your current financial circumstances might be, we want you to feel confident enrolling in a life-changing education without going into debt.

So we’ve created a variety of payment options to meet the different needs of our students. Here’s an introduction to our payment plans so you can choose the one that works best for you.

Pay Upfront or Month-to-Month

Of course, you have the option to pay for any course through monthly payments or an upfront lump sum. If you’re able to pay upfront, this is the most cost-effective payment option. The cost for each course varies, and can be found on the individual course page.

Loan Financing

If you’re not able to cover the cost of the course upfront or on a monthly basis, we’re happy to help you take advantage of a loan. We offer financing through Ascent. Check out their page for insight on how to apply, as well as a deep dive into the financing options available.  

Income Share Agreement

We realize that the cost of our courses could pose a financial challenge for many of our students. That’s why we created our income share agreement (ISA), allowing you to get the skills you need without paying anything upfront. There’s no cost unless you’re hired.  

If you choose to take advantage of the ISA, you’ll be able to take the entire course without making a payment.

On average, most Thinkful grads increase their salary by $20k. Once you're hired and making at least $40,000, you’ll pay us 15% of your gross income. The time period of repayment varies by course. The ISA does not gain interest, and every course has a payment maximum.

ISAs are an excellent option for many of our students, and we’re completely transparent about how our agreement works. Here are some examples of how this payment option plays out in different scenarios.

ISA + Living Stipend (for Select Full-Time Courses)

If you commit to learning full-time, it might be difficult to pay for day-to-day expenses. That’s where our living stipend comes in: a $1,500 monthly payment to cover the bills while you take any of the following full-time courses: Data Analytics, Software Engineering, Data Science, or Product Management.

Use the stipend to cover basic living expenses like groceries, child care or rent. It can’t be used to pay down debt or for auxiliary expenses. The living stipend is paired with an ISA and cannot be used with any other payment options.

Once you get a job paying at least $40,000, you’ll pay us 15% of your income. The period of repayment varies by course. The living stipend does not gain interest.


In support of our mission to make tech careers accessible to everyone, we offer discounts for women, non-binary individuals and military veterans. Discount amounts vary by course; ask your Admissions Rep for details if you fall into any of these categories.

Tuition Refund Guarantee

We know that our courses lead to great jobs and long-lasting careers. When you pay for your education upfront, month-to-month or using a loan, we guarantee your investment will pay off.

If you don’t find a job within six months of graduating, we’ll give you a full refund. We keep that part simple.

Start Today for 15 Days Free

If you’re ready to make a move toward your new career in tech, you can start learning today. No payment, no commitment. Take 15 days of select part-time courses for free, including the complete Thinkful experience: an online curriculum, personal mentor and professional career guidance.

What Next?

Our Admissions Representatives are ready to help you with any questions you may have. If you haven’t already scheduled a call, let’s find some time to talk about your career goals.  

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