Student Funding Done Right

Income-contingent financing built to empower students for a brighter future. Check your eligibility in 2 minutes!

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Why choose to finance with YELO?

A better, smart way to finance your education

  • No Cosigners Needed

    Your future, your choice - we never require a cosigner.

  • No Minimum Credit Score

    No credit score? No problem. We focus on your potential, not your past.

  • Earnings-Based Payment

    Pay only when you get paid. Our success is tied to your success.

  • Always Affordable

    Repay a fixed percentage of your salary, no bad surprises.

  • Never a Burden

    Your payments are capped in time and amount so they remain manageable.

  • No Prepayment Penalty

    You can choose to repay faster and get a discount.

HOW IT WORKS

Is YELO's Income Contingent Financing right for you?

WHAT IS YELO FOR?
  • Use YELO instead of expensive solutions such as private student loans, Parent Plus or Grad Plus loans
  • Use YELO's funding for tuition, living expenses and more
  • Apply anytime during the year, even the summer
WHAT DEGREES?
  • Bachelor's Degree
  • Master's Degree
  • Doctoral Degree
  • Associate's Degree
  • Undergraduate Certificate
  • Graduate / Professional Certificate
ON WHAT TERMS?
  • Repayment starts only after you are employed
  • Payments are capped at 19% of your future earnings
  • Repayment is capped at 1.9x your funding amount (12.9% maximum APR)
  • Payment window is capped at 72 monthly payment

Need help finding the best option for your unique needs? Get in touch with us at (646) 770-1080

Award Logo

YELO Funding has been honored as the Student Funding Company of the Year 2025, a testament to its stellar reputation and the trust it has earned among customers and industry peers. This recognition reflects numerous nominations from Education Insider subscribers and a thorough evaluation by a distinguished panel of C-level executives, industry thought leaders, and the editorial board.

We’ve been featured in

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What students are saying

Marvette B.

Bachelors Degree
Registered Nursing
Holy Family University
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You guys are the best! I’m so glad I found your company to help me with my school tuition. The process was very simple and easy. I highly recommend anybody who need help with school tuition to apply. :)
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Ethan R.

Bachelors Degree
Business Administration
New York University
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YELO has been a game-changer for my education. When traditional financial aid options seemed out of reach, they stepped in and that allowed me to focus on my studies without the constant worry of financial strain. I'm grateful for their commitment to helping students like me achieve their dreams.
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Noel H.

Bachelors Degree
Registered Nursing
College of Mount Saint Vincent
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When I found myself behind in college payments, I thought my academic dreams were slipping away. Then I discovered YELO, and everything changed. Now, I'm back on track, focused on my studies, and looking forward to a brighter future. They didn't just provide funding; they provided hope. For any student facing financial hurdles, I can't recommend YELO enough.
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How do we compare to traditional Private Loans and Plus Loans?

YELOPrivate & Plus Loans
  • Repayment amount is capped
  • Time to pay back is capped
  • APR is capped
  • Payments are tied to income earned
  • Payments can be paused with loss of salary
  • FICO score and cosigners are not required

CALCULATOR

Check for yourself if YELO suits your financing needs

How much funding are you seeking?
$5,000$15,000
$10,000
Expected Starting Salary
$30,000$150,000
$70,000

Let's invest in your future

Fast and simple. It only takes a couple of minutes to get a quote!

Apply now and check your eligibility in 2 minutes

FAQ

Frequently Asked Questions

Our Mission

YELO was born out of the frustration of our founder Dan Rubin who put his three kids in college... all at once! Realizing that access to education was expensive, discriminatory, inadequate and not accessible to everyone, he decided to launch YELO.

Our mission at YELO is to provide educational financing that is more equitable and better suited for students’ needs. To do so, we offer an innovative funding solution for students of all backgrounds that fills the funding gap in higher education when lower-cost federal programs, scholarships and grants are not adequate.

By investing in students’ success instead of binding them with debt they cannot repay, we create a better alignment of interests than conventional loan programs.

YELO’s mission is to address the growing student debt crisis in the United States that will ultimately improve access to education, and help students make better career choices that are independent of their financial obligations.

We are here to support your success! Together, we can fix the broken system of college financing.
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