Goodbye, student loans.

Hello, freedom.

Borrow for school. Pay nothing until you're employed.

Hi, we're Avenify

We're not your typical lending company

Avenify offers Income Share Agreements, or ISAs, which are a novel way to finance your education. Unlike a loan, where you pay back a fixed balance and interest, ISAs are a promise to share a percentage of your future income.

Always affordable
Income-based payments

Payments are a percentage of your income. And if you’re earning less than $20,000, your payments drop to $0.

Easy to apply
No credit score? No problem.

We don’t use a credit score, co-signer, or collateral to evaluate your eligibility. Instead, we set our terms based on your future earning potential.

Simple. Fair.
$0 until you're employed

Payments don’t start until you have a job. We’ll even pause your payments for you if you lose your job or go back to school.

01
Apply for funding

Our application takes less than five minutes. We'll ask you to tell us a little bit about your studies.

What you'll need to apply →

02
Accept the offer

If you’re eligible for funding, we’ll offer you terms. Our terms are based on your student profile.

Learn more about ISAs →

03
Study what you love

We’ll send the funding to your bank account. Use it for anything, from rent, to food, to tuition.

Why students are choosing Avenify →

04
Make your payments

Payments start six months after graduation. If you lose your job or go back to school, we'll pause them for you.

Learn more about our borrower protections →

05
That's it!

Once you reach the end of the payback period, you'll stop making payments. You may even have paid back less than you borrowed!

Applications are now open for Fall 2019 funding

Have questions?

We're here to help.

Check out our help guide, or use the chat in the bottom right to talk with our team.

For students
Borrow for school

Borrow for school and pay nothing until you're employed

For investors
Invest in students

Invest in students and earn a return when they succeed