Pay $0 upfront!

Qwasar Silicon Valley has teamed up with Meritize to offer our students a unique financing option. 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 few reasons why Meritize is a great option for students include:

  • Fixed and variable interest rates available** 
  • Flexible payment options, including deferring full principal and interest payments until 3 months after you complete your training
  • Customer support available 5 days a week
  • 0.25% interest rate deduction once you begin full repayment on your loan, if you sign up for autopay

Checking your loan options with Meritize has never been easier. You can fill out a short application to check your loan options without impacting your credit score.

If loan options are available to you, Meritize will request your merit information to finalize your application. This could be in the form of:

  • Academic Experience (Official or unofficial transcript or HSE certification)
  • Military Experience (DD214)

Want to learn more? Check out their FAQ page here: or give them a call at 833-MERIT-4-U.

*Qwasar Silicon Valley does not endorse a particular lender, nor is it affiliated with Meritize Financial, Inc. (“Meritize”).
Meritize Lending, LLC, NMLS ID 1661035 (NMLS Consumer Access
Meritize Financial, Inc. NMLS ID 1986399 (NMLS Consumer Access
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: IN, ME, NV, VT, WI, PR. All rights reserved.
**For residents of SC, loan is made by Meritize Financial, Inc.
*Variable rates are subject to change.
The information on this document is the most up to date as of April 1, 2023. Please see Meritize website for additional details.

How Financing Works

Software Engineering Program projects

Step 1: Apply through Qwasar

The first step is to complete an application with Qwasar. If invited to interview, you will complete a virtual interview with a Qwasar team member who will determine your acceptance into a program.

Software Engineering Program exercises

Step 2: Apply through Meritize

Be sure to thoroughly read through the contract terms and understand all of the conditions of the loan policies including loan repayment options and terms and interest rates, fines, and penalties.

Software Engineering Program role play

Step 3: Sign Qwasar Contract

Once you have been approved for financing through Meritize, you will sign your program contract with Qwasar. Once you choose your program, you will not be able to switch from part-time to full-time or vice-versa if you are financing. This is written into the terms of your Meritize contract.

Software Engineering Program gamification

Step 4: Sign Meritize Contract

Once you are completely enrolled in Qwasar by signing an enrollment contract, you will finalize your financing contract with Meritize. 

Discover Meritize

Learn more about who Meritize is.

Financing Through Meritize


Meritize considers factors like your academic and military background over your FICO score or income to determine your loan eligibility.

No Down Payments

If approved, there are no down payments and no payments required during the program. After the program, there is a grace period of 3-6 months before payments is required.

Payment Options

There is flexibility with Meritize in how you pay back your loan. You can always make interest-only or full payments on your loan during your training program. Also, there are borrower assistance programs including forbearance and re-age.

Fixed and Variable Rates

Meritize offers fixed and variable rates from 8.543% APR to 23.55% APR.

Frequently Asked Questions

Learn more about Meritize loans and what the platform offers you.

What is a Meritize Loan?

The Meritize platform looks beyond FICO and use previous academic or military achievements to enhance credit evaluation and potentially improve loan options.

What can the Meritize platform offer me?

  • Pre-approval in minutes for qualified applicants
  • Choose from various repayment terms, including deferring full principal and interest for 3 months after you complete your training
  • Qualifying students are able to finance the full cost of tuition
  • No prepayment penalty
  • Fixed and variable interest rates available*
  • Free access to Career Services

What is next?

  • If approved, review loan options and select the one that works best for you
  • Sign up for autopay and receive a 0.25% interest rate discount**

What happens if I do not get a job immediately?

The Meritize platform offers academic coaching, a job search bootcamp and new-to-the-job coaching. Through these services, students are able to work with coaches to develop a game plan to perform at their personal best while in school, work with experts on their job search from crafting resumes to negotiating salary, and even develop the personal and competitive skills that will help them achieve professional excellence in their new job.

Application Checklist

If you are ready to apply for financing through Meritize, please review the following checklist to ensure you have all of your documents ready to be able to efficiently complete the application process. When you are ready, please apply through the correct link based on your program and commitment option below.

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
  • 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)

School and Program

  • Name of school and program you will attend
  • Start and end date

Military Experience

  • A copy of your DD214

Co-Borrower Information

  • 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

The Meritize application may ask for one of the above, as applicable, in order to assign credit for merit.

Apply to Meritize For Our Full-Time Programs

Apply to Meritize For Our Part-Time Programs​

Software Engineering


Full Stack Development


Software Engineering


Full Stack Development


Data Science


AI/Machine Learning


Data Science


AI/Machine Learning


DevOps/Cloud Engineering


DevOps/Cloud Engineering


Financing 1

New Financing Option Available to Students at Qwasar Silicon Valley

This new financing option will enable learners to enroll for $0 upfront, delaying tuition payments until 3 months after graduation from either our part-time or full-time options.

Elite Full Stack Development Program shooting star

Contact Us

For questions about our programs, licensing, and partnership opportunities, please contact us.

Elite Full Stack Development Program shooting star

Qwasar vs. Others

How do Qwasar programs compare to other tech training options out there? Find out how we stack up.

Elite Full Stack Development Program shooting star


Learn more about our pricing and program costs for tech training. We offer three payment options to learners.