Fair finance for african youth

Access quality education. Build in-demand skills.

Achieve lasting independence.

We cover your tuition upfront so you can focus on your studies and gain the skills employers value. You begin contributing only once you are employed and earning above a set threshold.

Find your country

Study now, pay later

Pursue the future
you are capable of.

Students in a laboratory practical during a Chancen-supported higher education programme

To study

Enrol in the course, college or training programme of your choice — without paying tuition upfront or providing collateral.

To study

Enrol in the course, college or training programme of your choice — without paying tuition upfront or providing collateral.

To study

Enrol in the course, college or training programme of your choice — without paying tuition upfront or providing collateral.

Young professional working on a laptop, representing the practical skills and career readiness gained through Chancen.

Skills that matter

Graduate job-ready, with the practical skills, confidence and networks to build a meaningful career.

Skills that matter

Graduate job-ready, with the practical skills, confidence and networks to build a meaningful career.

Young graduate at her workplace, representing employment opportunities made possible through Chancen’s education model.

A meaningful career

Train for in-demand roles with genuine employment pathways — qualifications that lead to real opportunities.

A meaningful career

Train for in-demand roles with genuine employment pathways — qualifications that lead to real opportunities.

how it works

Study now, pay later.

Our flagship financing is the Income Share Agreement (ISA). The principle is simple: you study now, and once you are employed, you contribute a small share of your income to help fund the next generation of students.

Apply to a
programme

Choose a course at one of our partner institutions and apply. You are assessed on your potential, not your background or income.

We cover
your tuition

Once you are accepted, we pay your tuition upfront, so there are no tuition fees to pay before or during your studies.

You study,
we support you

Focus on your studies while we support you with financial literacy, career readiness and provide a community alongside you.

You start
earning

Graduate ready to enter meaningful work, whether in employment or running your own business

You pay
it forward

Once you earn above a set threshold, you contribute a small share, helping fund the next generation of Chancen students.

Designed around your circumstances

The ISA is not our only option. Should a share of your income not suit your path, for example, if you start your own business, we offer more flexible products, such as fixed monthly repayments. We work with you to find the right fit. See our Country pages for the different products we offer.

Safeguards against over-indebtedness

A minimum income threshold before you repay any % of your income

Caps so high earners never overpay

Fixed repayment timelines with a clear end point

Young Rwandan women participating in a Chancen higher education programme.

"If I had to fund my education alone, I might have dropped out. But the ISA encouraged me to push through."

Diane Nsabimana

Assistant Accountant

Rwanda

Fair by design

It is not a traditional loan.

Here's the difference.

Traditional student loans can leave you in debt before you have even begun earning. Our flagship Income Share Agreement model is designed to protect you, not to profit from you.

No tuition to pay upfront

We cover your tuition fees during your studies, so cost is never a barrier to starting.

No tuition to pay upfront

We cover your tuition fees during your studies, so cost is never a barrier to starting.

Pay only once you are earning

Repayments begin only once you are employed and earning above a set threshold.

Pay only once you are earning

Repayments begin only once you are employed and earning above a set threshold.

Payments adjust to your income

With the ISA, your contributions rise and fall with your income. If you earn less, you pay less.

Payments adjust to your income

With the ISA, your contributions rise and fall with your income. If you earn less, you pay less.

Capped and time-limited

After a set period, contributions stop. You will never face an endless, growing debt.

Capped and time-limited

After a set period, contributions stop. You will never face an endless, growing debt.

Support when circumstances change

Should you lose your job or face hardship, we can pause your contributions — without penalty.

Support when circumstances change

Should you lose your job or face hardship, we can pause your contributions — without penalty.

beyond financing

Far more than financial support

Becoming a Chancen member means joining a community that supports you throughout your journey — not only financially.

Financial literacy

Workshops that equip you to budget, save and plan with confidence.

Mentorship

Guidance and career coaching from people invested in your success.

Community

Networking events, campus visits and a network of peers on the same journey.

Employability

CV support, interview preparation and connections to job opportunities..

Students attending a Chancen financial literacy workshop focused on budgeting, saving and personal finance.

Mentor providing career guidance and coaching to Chancen students during a workshop

Students participating in a Chancen community networking event and sharing experiences with peers.

Hospitality student gaining hands-on workplace experience through a Chancen-supported training programme.

Financial literacy

Workshops that equip you to budget, save and plan with confidence.

Mentorship

Guidance and career coaching from people invested in your success.

Community

Networking events, campus visits and a network of peers on the same journey.

Employability

CV support, interview preparation and connections to job opportunities..

Prospective student browsing books in a library at a Chancen partner institution in Rwanda.

who we support

You may be exactly who we are looking for

We support young people with the ambition to succeed but without the means to fund their education. Exact requirements vary by course and country but you may be a strong fit if you:

Study

You want to take a course at one of our partner education institutions

Commitment

You're ready to see your programme through to the end

Funding

You can't cover tuition through family, savings or other means

Ambition

You want to enter meaningful work or start your own venture

Check your eligibility

how to get started

From interest to offer

It begins by registering your interest. This is not an application for funding — it simply tells us what you would like to study, so we can notify you when relevant courses and application windows open.

Complete your country's short interest form so we understand what you wish to study and can keep you informed of funded courses

Apply to a programme

When a window opens, apply directly to your chosen course at one of our partner institutions

Apply to a programme

When a window opens, apply directly to your chosen course at one of our partner institutions

Join a Chancen workshop

Accepted students are invited to a workshop to learn how our financing works

Join a Chancen workshop

Accepted students are invited to a workshop to learn how our financing works

Apply for funding

After a set number of years, repayment stops — regardless of total paid, giving you a clear horizon and preventing over-indebtedness

Apply for funding

After a set number of years, repayment stops — regardless of total paid, giving you a clear horizon and preventing over-indebtedness

Get your offer

Once approved, we cover your tuition and your journey begins

Get your offer

Once approved, we cover your tuition and your journey begins

Start by registering your interest

Select your country to open its interest form. It takes just a few minutes, and we will be in touch when funded courses that match your interests become available.