Get Your Digital and AI Skill Education Funded Until Start Earning an Income, or Start a Business - Smarter, Faster, Better!
We’ll cover your tuition with our Digital and AI skill education partner when you join our Income Challenge—designed to equip you with job-ready, income-generating skills for employment or entrepreneurship. Repayments begin once you complete the challenge and start earning. If you finish but haven’t started earning, payments are paused until you do. If you default on the challenge, repayment starts when it ends, regardless of income. T&C apply.
SUPPORTED BY
Why Edu Pay Later?
Interest-Free Financing
Get approved in under five minutes for an interest-free loan that fully covers your skill education tuition—so you can focus on building your skills, not stressing about payments, and start earning to pay it back.
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.
HOW IT WORKS
Apply to get an Education Loan And Get Approved in 5 Minutes or Less.
Once you accept, we’ll immediately pay your education provider. They’ll send you an onboarding email with your login details so you can start learning, and your Challenge portal will be set up as the Challenge begins right away.
Start and Complete the Challenge
Part 1 (30 days): Learn your new skills.
Part 2 (60 days): Daily task to start earning.
You’ll report your progress daily and weekly in the Challenge portal—this is mandatory. Every approved report earns you EduPoints, which reduce your education loan amount.
You Pay Back the Education Loan
Flexible Repayments, Committed to Your Success
Repay only after completing the challenge with no defaults 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 earning 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.
$1.2M+
Of tuition funding Available
Designed for your Success
A Smarter Way to Fund for Education
Funding for education has never been easier, better, or 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 and entrepreneurship goals. With flexible repayment options and personalised 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 your full 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 after the income challenge is completed and you begin earning, and with flexible repayment 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 default on the challenge, repayment begins regardless of your income 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 5 minutes or less.
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.
Yes but because it is a loan and we have funded it immediately you signed up. You will need to pay back the loan even if you dropped off.
Yes, you’re still responsible for repaying the loan once you start earning income, regardless of whether your job is related to Digital or AI skills. Repayment depends on your income, not the job type.
If you get a job before the Challenge ends, congratulations! Let us know, and your repayments will begin.
If you default on repayment, we will report it to the credit agency, which may affect your ability to access future financial products.
You can contact us by emailing us at [email protected]