We’re consistently working to find novel ways for you to finance your education without hindering your career growth.

Student loan contracts require immediate repayment upon graduation, whether the student is employed or not. These loans have kept people from moving forward with their education and slowed their careers.

Our Income Share Agreement (ISA) is one option to keep you moving and growing. We also offer upfront 1-year and 2-year payment plans, along with scholarships, to help make your education affordable.No matter what option works best for you, know that Kenzie stands behind you every step of the way.

We’ll help you with any questions you may have about our available payment options to cover the program cost.

  • Student loans accrue interest

    Traditional student loans accrue interest over the life of the loan, and the borrower is responsible for paying back both the principal balance and the interest.

  • Student loan debt can last a lifetime

    Interest on student loans can often be capitalized under certain circumstances, which means you could be stuck paying back loan debt for the rest of your life.

  • Traditional education costs more

    You might expect to pay $34,000 to $100,000 or more for a Software Engineering graduate degree from a traditional institution. We try to keep our program cost down so you can start your career without the burden of debt hanging over you.

Software Engineering Program Cost and Payment Options

Software Engineering Program Payment Plans

12-Month Payment Plan

Pay $1,458/month with 0% interest

$500 down, includes $100 enrollment fee

24-Month Payment Plan

Pay $812.50/month with 0% interest

$500 down, includes $100 enrollment fee

Software Engineering Program Upfront Payment

Full Tuition: $20,000 + $100 enrollment fee

Scholarships are available for qualified students, up to $4,000.

* International students can apply but must choose the upfront payment option.

Software Engineering Program Full Income Share Agreement (ISA)

Full ISA

$100 enrollment fee

Total ISA amount: $20,000

Repayment: 13% of your income for 4 years once you are making over $40,000

No accrued interest

*Only available for students enrolling in the full-time Software Engineering program.

Learn about the ISA
Software Engineering Program Hybrid Income Share Agreement (ISA)

Hybrid ISA

Save $2,000 on tuition

$100 enrollment fee + $8,000 down

Total ISA amount: $10,000

Repayment: 13% of your income for 28 months once you are making over $40,000

No accrued interest

*Only available for students enrolling in the full-time Software Engineering program.

Learn about the ISA

UX Design Program Cost and Payment Options

UX Design Program Payment Plans

12-Month Payment Plan

Pay $867/month with 0% interest

$500 down, includes $100 enrollment fee

24-Month Payment Plan

Pay $433/month with 0% interest

$500 down, includes $100 enrollment fee

UX Design Program SkillsFund Loan

36-month or 60-month loans available, with monthly payments ranging from $62 to $372 a month.* plus $100 enrollment fee

*Available only for the UX Design Career Program, and the monthly payment amount depends on the loan option selected.

UX Design Program Upfront Payment

Full Tuition: $10,900 plus $100 enrollment fee

Scholarships are available for qualified students, up to $2,180.

* International students can apply but must use the upfront payment option.

Frequently Asked Questions

Why does Kenzie offer ISAs?

Kenzie is committed to offering student-centric financing programs which make education a possibility for people from all walks of life. We try to keep the program cost down, but understand that each student has different needs. A Kenzie education prepares students to become marketable candidates, ready for a career in tech. We believe so strongly in our model that we’re willing to invest in our students’ success.

Can I save money by paying my ISA off early?

You can choose to pay 1.75x the amount of tuition originally financed at any point to end your ISA contract obligation. For example, if you signed an ISA contract to finance $23,900, you could pay $41,825 to end your ISA contract commitment early.

What is the benefit of an ISA to Kenzie students?

With an ISA, your monthly payments adjust in real-time according to your income level, meaning they will decrease or increase with your salary. During repayment, the ISA has a minimum income threshold, so if you earn less than a certain salary, you may not be required to pay anything back. If you end up earning a substantial amount of income, you will not pay above a certain maximum amount.

Additionally, an ISA allows you to defer payment due to certain life circumstances like raising kids, enrolling in another full-time educational program, or unemployment. During deferred payment periods, no interest accrues, unlike with traditional loans. Instead, you simply pause ISA payment and add additional payment months once you’ve re-entered the workforce.

Does the ISA contract give Kenzie a say in my future employment decisions?

You, and you alone, maintain the right to make all decisions regarding your future employment. Through the ISA, you are only committing to making monthly payments at a set percentage of your earned income for a set period of time.

How is an ISA different from a traditional student loan?

In a traditional student loan, a lender gives you money to pay the cost of tuition or expenses upfront. After you graduate, you’re required to pay back the original loan, plus interest, until the principle is completely paid off. This can take years or decades to complete, especially if you enter a deferment or forbearance period where loan interest continues to accumulate. Overall, student loans have more unpredictability when it comes to cap amounts and payment end dates, unlike an ISA.

Who is eligible for an ISA?

You must apply in order to get approved for the ISA program. This is part of Kenzie’s Admissions Process, and our Admissions Advisors will guide you every step of the way to figure out what is best for you based on the program cost. You must be a U.S. citizen or permanent resident to apply for an ISA.

Note: Income Share Agreements (ISAs) are not available for the UX Design program at this time. 

Do I have to fully pay back the original ISA amount?

No. You’re only required to pay a set percentage of your income each month for a set period of time. After completing each monthly payment over the set term, you’re not required to make any additional payments.

What income is subject to the Income Share Agreement?

All of your income over $40,000 is subject to the 13% income share percentage. Income from side hustles, freelance jobs, and other revenue streams is counted in your total combined income.

When does my ISA end?

The ISA can end in three ways:

  1. Hit the payment cap: As you make your scheduled payments, you may hit the payment cap. At that point, your payment obligation is over, even if you hit the cap before the end of your payment term.
  2. Complete the required payments: Your contract will define a required number of payments (payment term). Once you make that number of payments, you’re done.
  3. Payment window ends: Your payments may pause due to a  life event like becoming a full-time parent. Your obligation ends at the end of the payment window of 96 months, even if you haven’t made the required number of payments.
If I leave halfway through Kenzie, am I still responsible for my ISA?

If you leave halfway through your enrollment at Kenzie Academy, you will still be responsible for partial to full payment of your ISA. Like any educational institution, there is a refund based on the duration of your enrollment.

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