Funding Made Simple
Invest in your future by applying for student financing from our bank partner, Meritize.
Meritize overview
Financing for Your Future
Now is the perfect time to jump-start your career with the in-demand skills you can gain from NTI’s career training programs. We’re happy to be able to offer our students the option of paying for approved programs with educational financing through the Meritize Platform.* Meritize works with students, educators, and employers to help people excel in skills-based careers.
Meritize knows you are more than your credit score, and that is why they look at your past achievements to potentially enhance your loan options.
A Unique Lender
What Makes Meritize a Great Option?
Improve your loan options by sharing past achievements. Unlike traditional lenders that rely solely on FICO scores and financial records to determine whether to lend to an individual, the Meritize platform considers an individual’s academic or military achievements when making credit evaluations, potentially improving loan options.
Meritize offers affordable payment options, including deferring payment until 3 months after you complete your training.
Your Meritize score enhances your credit since it adds to your traditional score metrics.
Fixed and variable interest rates are available.**
Get an interest rate deduction if you sign up for autopay.***
Frequently Asked Questions About Meritize Student Funding
General Questions
What information will I need to apply to the Meritize platform?
Having these documents on-hand prior to starting will help you complete your Meritize Loan Application quickly.
Personal Information
- Email address
- Phone number (where you want to be reached)
- Permanent mailing address that can be verified with proper documentation
- Utility bill, leasing agreement (to prove residency)
- Date of birth
- Social Security Number
Academic Experience
- Highest level of education completed
- Name of college or high school
- Graduation date
- Official or unofficial high school or college transcript or HSE certification (GED, TASC, HiSET)
Military Experience (if applicable)
- A copy of your DD214
School and Program
- Name of school and program you will attend
- Start and end date
Co-Borrower Information (if needed)
- Email address
- Phone number (where co-borrower wants to be reached)
- Permanent mailing address that can be verified with proper documentation
- Utility bill, leasing agreement
- Household income (approximate)
- Date of birth
- Social Security Number
Does applying for a loan affect my credit score?
Checking your loan options online will not impact your credit score. When you check your rate to see what offer(s) you may qualify for, we perform a soft inquiry on your credit report, which won’t impact your credit score. Other creditors won’t be able to view soft inquiries since they can only be seen by you. Once you’ve selected the loan option that’s best for you, you’ll be asked to complete an application and to enter additional information. Once your application is complete we perform a hard inquiry on your credit report which may impact your credit score. We will let you know during the application process at what point your credit score might be impacted.
Can I get approved for a loan if I don't have a co-borrower?
Having a co-borrower can potentially improve your loan options. Because Meritize considers your academic, military, or work achievements, you get credit for your merit and could be approved without a co-borrower.
How long does it take to get a decision on my loan application?
You will receive a decision on your loan 2 business days after Meritize receives your completed application. A completed application includes your merit documents or confirmation that you do not plan to include these with your application.
I got approved. What's next?
If your loan application is approved, review your loan options and select the one that works best for you. Sign up for autopay and receive a 0.25% interest rate discount.***
Ready to See if You Qualify?
Checking your loan options with Meritize has never been easier. You could be pre-approved in minutes.
Fill out a short application to check your loan options without impacting your credit score.
*National Trade Institute does not endorse a particular lender, nor is it affiliated with Meritize Financial, Inc. (“Meritize”) or the Meritize platform.
Meritize Lending, LLC, NMLS ID 1661035 (NMLS Consumer Access https://www.nmlsconsumeraccess.org/)
Meritize Financial, Inc. NMLS ID 1986399 (NMLS Consumer Access https://www.nmlsconsumeraccess.org/)
Terms and Conditions apply. Meritize branded loan products are educational loans issued by Meritize Lending, LLC**. Meritize reserves the right to modify or discontinue products and benefits at any time without notice. To qualify, a borrower must be a U.S. citizen, permanent resident, or hold an Employment Authorization Document and meet Meritize’s underwriting requirements. If approved for a loan the actual loan amount, term, payment, and APR amount of loan that a customer qualifies for may vary based on credit determination, state law, and other factors. Meritize does not warrant or guarantee any claims made herein, including, but not limited to, gaining admission to a program, concerning the quality or financial strength of any educational institution, securing funding, or obtaining employment. Our final loan offer may differ as a result of the school chosen and the associated cost of tuition. Not all schools are eligible for funding. Meritize does not offer educational loans in the following states: IA, IN, KY, ME, MI, ND, NV, SD, VT, WI, WV, WY, PR. All rights reserved.
**For residents of SC, loan is made by Meritize Financial, Inc.
*** The 0.25% AutoPay interest rate reduction applies if you make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. AutoPay is not required to obtain a loan.
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