One click to start your Epicodus web + mobile development training!

  • Finance your tuition + supplemental cost of living
  • One low, fixed interest rate for 3- and 5-year loans
  • No teaser rates nor cosigner trickery
  • No income, employment, nor educational criteria used in underwriting
  • Cosigner options available (only if you need them!)
  • No prepayment penalties // full repayment grace period
  • Calculate your monthly payments before starting your loan application

Choose What Works For You

Borrow between $5,900 and $8,400 ($6,000 tuition - $100 deposit + $2,500 supplemental cost of living). Make interest-only payments while in program and for 60 days following graduation. Example loan amounts and estimated payments can be found below. Please see full terms at the bottom of the page.

Please note: Supplemental cost of living can only be added to max tuition financing.

Loan Amount (Examples) Term (Months) Interest Rate General APR* In-School Payments (Interest Only) Post-Graduation Payments
$7,000 36 8.99% 10.94% $55 $232
$7,000 60 10.99% 12.41% $67 $158

*General APR = Annual Percentage Rate. General APR shown on a 6-month program. The annual rate that is charged for borrowing, includes a 4.0% loan origination fee.

How It Works


Apply for financing prior to or following your acceptance to Epicodus.


Ease of application: less than ten minutes to complete your online loan application online. Receive provisional credit approval within minutes.


Skills Fund disburses your tuition financing directly to Epicodus. Your supplemental cost of living will be disbursed two weeks after program start.


Full repayment grace period: Your full loan payments (principal + interest) will start two months after you graduate.

Already Accepted to Epicodus?

Frequently Asked Questions

Do I qualify for a Skills Fund loan? ▾

We’ve worked with Epicodus to provide as many of their students as possible with access to competitive financing. As long as you are a US citizen or permanent resident and meet the underwriting criteria, such as no recent bankruptcies nor history of default on any private or government student loan, you will most likely qualify for a Skills Fund loan.

How much can I borrow and for what specific uses? ▾

You are eligible to borrow between $5,900 and $8,400 (tuition - deposit + supplemental cost of living). You may use your loan proceeds for Epicodus' tuition and towards cost of living expenses.

Please note: Supplemental cost of living can only be added to max tuition financing.

What is the deferment period? ▾

The deferment period is defined as the time you are attending the course plus an additional 60 days after completion. Interest only payments are required during this period. After the deferment period ends, payments of principal and interest are required.

How much are interest payments during the deferment period?

Interest-only type loans: Require the payment of interest on a monthly basis during the deferment period. These payments ensure that no interest will be capitalized into your borrowed principal at the beginning of the 36- or 60-month full repayment phase. Interest-only payment amounts depend on the amount borrowed and the term of the loan.

Do I need a cosigner? ▾

If you do not meet the loan underwriting criteria, a cosigner will be needed. You can (1) apply individually, and should you not be approved, you can reapply with a cosigner, or (2) initiate your loan process with a cosigner.

Please note: we advise you to apply individually to begin, and should you not be credit approved, you may amend your application with a cosigner.

What information do I need to provide Skills Fund? ▾

During the loan application process, we will ask you for the following information:

  • Full name
  • Address
  • Email and other contact information
  • Social Security Number
  • Date of birth
  • Loan amount requested
  • Three personal references
  • Cosigner information (if applicable)

Will you check my credit? ▾

Yes, we will check your credit, including your credit score.

Will I get charged any fees for taking out this loan? ▾

You will be charged an origination fee of 4.0%. This amount will be added to the amount of tuition you borrow and included in the total loan principal amount you finance. Please see terms at bottom of page.

How can I apply for a loan? ▾

You may access the loan calculator and application here.

How do I know if I’ve been approved for a loan? ▾

Shortly after completing your loan application, you will receive credit approval details via a pop-up window in the application. If you are credit approved, your loan will then be certified by Epicodus. If you are not credit approved, you may amend your application with a cosigner.

How and when will I repay my loan? ▾

You will start paying interest on your loans 30 days after we disburse funds to Epicodus. Sixty days after you graduate you will start making full monthly payments (interest plus principal). We will provide you with several options for making payments, including automated payments.

How is my supplemental cost of living disbursed?

Your lump sum cost of living will be sent directly to the mailing address listed on your loan application 14-21 days after your program start date.

Can I pay my loan faster than the initial term? ▾

Yes, you can pre-pay your loan at any time without penalty.

What happens to my loan if I drop out from my program? ▾

You are responsible for the full amount you borrow plus accrued interest and fees. If you are owed a refund by Epicodus, the refund transaction will be made to Skills Fund in the amount of the refund due (but in no event greater than what that we paid to Epicodus on your behalf). If there is a balance on your loan after any applied refund, you will be required to immediately start making monthly payments for the balance.

Who is Skills Fund? ▾

Skills Fund's mission is simple: we transform student lives and careers by accelerating the growth of and access to high-quality skills education. With a team of leaders in student lending, higher education and consumer protection, Skills Fund pulls upon extensive expertise to create a financing platform that is transparent, fast, and offers students financial flexibility.

Skills Fund believes bootcamps, lenders, and industry should share in ensuring student success - and that’s what we’re working daily to make happen. Read our Manifesto here.

How do I ask more questions not covered in this FAQs section? ▾

We are more than happy to answer any additional question you might have. Just fill the form below and we will be in touch soon!

Interest Rates

Skills Fund Loan 36 Month Loan 60 Month Loan
Cosigners Note: Up to 1 cosigner might be required in some instances.
Origination Fee 4.0% of loan requested (1)
Interest Rate(2) Fixed
Capitalization of Interest None, since interest payment is mandatory 30 days after loan is disbursed
Payments Required While Enrolled? Yes, monthly interest payments only
Repayment Grace Period (after the in-school period and before interest and principal repayment begins) 60 days after official graduation (3)
Note: interest-only payments required while enrolled
Principal and Interest Repayment Term 36 months (3 years) 60 months (5 years)

This example shows the monthly payments of a $7,000 Skills Fund loan:

Example on a $7,000 loan 36 Month Loan 60 Month Loan
General Annual Percentage Rate 10.94% (4) 12.41% (5)
Finance Charge (the dollar amount the credit will cost you) $1,769 (4) $3,028 (5)
Interest-Only Monthly Payment $55 (4) $67 (5)
Monthly Payment $232 (4) $158 (5)
  • (1) The 4.0% origination fee is assessed to all loans, and is added to the principal request, so for example, a $7,000 will generate a $280 origination charge that will increase the loaned amount to $7,280.
  • (2) Interest rates are fixed and never vary.
  • (3) Graduation dates are determined by the school, and full repayment begins 60 calendar days after that date.
  • (4) General Annual Percentage Rate (APR): finance charge and monthly payments are based on borrowing $7,000, a 4.0% origination fee, paying interest on the loan for 6 months while enrolled in the program and 2 months of grace, then the 36 month principal and interest period.
  • (5) General Annual Percentage Rate (APR): finance charge and monthly payments are based on borrowing $7,000, a 4.0% origination fee, paying interest on the loan for 6 months while enrolled in the program and 2 months of grace, then the 60 month principal and interest period.