Unemployed? Join our Income Challenge and Get Your Skill Education Funded Until You Land a Job, or Start a Business - Smarter, Faster, Better!
We’ll cover 80% of your tuition with our skill education partner when you commit to our Income Challenge—designed to equip you with job-ready, income-generating skills to help you secure employment or launch your own business. You start repaying once you’ve successfully completed the challenge and begin earning. And if you complete the challenge but haven’t started earning yet, your repayments are paused until you do. If you default on the challenge, repayment begins once the income challenge ends —regardless of your income status. T&C apply.
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Why Edu Pay Later?
Interest-Free Financing
Get approved in under five minutes for an interest-free loan covering 80% of your tuition. To show your commitment to the income challenge, you only pay 20% upfront, reducing your financial stress. Transparent terms with no hidden fees.
No Guarantor or Collateral Required
We believe in your potential, not your connections. Unlike traditional loans, no guarantor is needed—just your commitment to the income challenge.
Incentivized Repayment Reduction
Earn EduPoints as you complete challenge tasks that bring you closer to landing a job or starting a business. These points lower your overall tuition repayment, and once you start earning, you’ll get bonus EduPoints for even more savings.
Repayment Linked to the Income Challenge
If you complete the challenge but don’t secure income, your repayment is paused until you start earning—unless you default on the challenge. This helps alleviate financial pressure.
Affordable Repayment Plans
Choose from repayment periods of 4, 6, 8, or 12 months to fit your financial situation. Our goal is to make repayment stress-free and manageable, so you can focus on building your future without financial strain.
Career Mentorship & Coaching
Access weekly sessions with industry experts, career coaches, and business mentors to help you refine your resume, improve your interview skills, or validate your business idea.
Get Approved in 2 Simple Steps. Fast.
Apply for Education Funding
Accept Your Offer
Flexible Repayments, Committed to Your Success
Repay only after successfully completing the challenge and securing income. You can pause repayments if you finish the challenge but don’t land a job. However, if you default by not completing the challenge before it ends, repayment starts, regardless of your employment status.
Stay Committed and Lower Your Tuition Repayment
Earn EduPoints as you complete challenge tasks designed to help you land a job or start a business. These points reduce your tuition repayment, and when you secure a job or launch your business, you’ll earn bonus EduPoints to further reduce what you owe.
See Available Income Challenge You Can Join Today
Education Provider Partner
LAND A SOCIAL MEDIA JOB CHALLENGE
This 12-week challenge to land a social media job challenge begins with 4 weeks of intensive learning, where you’ll gain expertise in using a variety of tools to manage, measure, and optimize social media channels. You’ll also hone your graphic design skills to create eye-catching visuals for social media posts, banners, logos, flyers, brochures, and more.
You’ll get practical experience in planning, executing, and managing successful social media advertising campaigns across platforms such as Facebook, Instagram, Twitter, and LinkedIn, enabling you to target your ideal audience with precision.
The final 8 weeks will be dedicated to daily tasks designed to help you land a social media job.
Prerequisite: Laptop or Computer with Internet Connection.
Course Schedule
Week 1: Orientation Course and Digital Marketing Fundamental Course
Week 2: Social Media Management Course
Week 3: Social Media Advertising Course
Week 4: .Landing a Social Media Job Course
Week 5-12: Daily task to land a social media job
Project Deadline: Each course comes with a project and must be submitted by Friday, 10pm of the week.
APPLY TO JOIN THE CHALLENGE AND GET 80% OF TUITION COVERED UNTIL YOU LAND A JOB
The tuition fee is ₦100,000, but if you commit to the challenge, we’ll cover 80% (₦80,000) of the tuition until you secure a job. You can repay the remaining balance in 4, 6, 8, or 12 months.
To show your commitment to the challenge, you only need to pay 20% (₦20,000) if your application is successful.
Terms and conditions apply.
Education Provider Partner
START A WEBSITE DEVELOPMENT BUSINESS CHALLENGE
This 12-week challenge is designed to help you launch your own website development business. The first 4 weeks focus on intensive, hands-on learning, where you’ll gain step-by-step knowledge on how to build and manage websites using WordPress. You’ll also master creating eCommerce sites, blogs, forums, and directories using one of the world’s most popular page builders.
You’ll gain practical skills to develop and implement effective SEO and content strategies that attract, convert, and engage customers, while significantly boosting website rankings, search traffic, and sales conversions.
The final 8 weeks are dedicated to daily tasks that will guide you in securing paying clients and building a profitable business.
Prerequisite: Laptop or Computer with Internet Connection.
Course Schedule
Week 1: Orientation Course and Digital Marketing Fundamental Course
Week 2: Website & eCommerce Development Course.
Week 3: Search Engine Optimisation Course
Week 4: Business & Client Acquisition Course
Week 5-12: Daily task to securing paying clients and building a profitable business.
Project Deadline: Each course comes with a project and must be submitted by Friday, 10pm of the week.
APPLY TO JOIN THE CHALLENGE AND GET 80% OF TUITION COVERED UNTIL YOU LAND A JOB
The tuition fee is ₦100,000, but if you commit to the challenge, we’ll cover 80% (₦80,000) of the tuition until you secure a job. You can repay the remaining balance in 4, 6, 8, or 12 months.
To show your commitment to the challenge, you only need to pay 20% (₦20,000) if your application is successful.
Terms and conditions apply.
$1.2M+
Of tuition funding Available
Designed for your Success
A Smarter Way to Pay for Education
Paying for education hasn’t been easier, better and smarter. Enjoy the most flexible and comfortable tuition payment process.
- No Guarantor
- Interest-Free Financing
- Quick Application Decisions
- Income-Based Repayment
- Flexible Repayment Options
- Incentivized Repayment Reduction
- Dedicated, Personalized Customer Support
Frequently Asked Questions
Edu Pay Later offers interest-free funding to help you gain the skills needed to land a job or launch a business. We believe in your potential—not your credit score—so no guarantor is required. Our Income Challenge keeps you focused and accountable as you work toward your career goals. With flexible repayment options and personalized support every step of the way, we’re making education more accessible and empowering you to invest in a future you control.
Edu Pay Later offers interest-free education loans covering up to 80% of your tuition when you commit to the Income Challenge—our proven path for unemployed individuals to gain in-demand skills, land a job, or launch a business. No guarantor required—just your dedication. Repayment starts only once you complete the income challenge and begin earning, and with flexible plans and progress-based rewards, we make your journey to success smarter, faster, and more achievable.
The Income Challenge is a structured, step-by-step journey filled with daily tasks designed to help you land a job or start a business. By staying consistent and completing each task, you’ll make real progress toward your goals—while earning EduPoints that lower your tuition repayment. If you complete the challenge but haven’t secured income yet, repayments are paused until you do. However, if you don’t complete the challenge, repayment begins regardless of your employment status. Your commitment is what unlocks the full benefit.
As long as you are unemployed between the ages of 20 to 35 years and you are a Nigerian living within the borders of the country, you are eligible.
Create your account and complete the application form, which takes about 10 minutes.
Repayment starts only at the end of the income challenge and once you begin earning income—either from a job or a business you’ve started. If you complete all the tasks in the income challenge but haven’t secured a job, repayments are paused until you start earning. However, if you don’t complete the tasks before the challenge ends, repayment begins immediately after it ends, regardless of your employment status.
No, we don’t. Every student is charged with the responsibility of getting their individual computers with access to internet connection.
Only Nigerian citizens or residents are supported at this time.
You can contact us by emailing us at [email protected]