Pay-It-Forward (PIF) is an income share agreement that covers your education costs upfront, so you can focus on studying without financial pressure. After graduation, contribution begins once you start earning, and you simply contribute a small, agreed percentage of your monthly income for a set period of time.

You may apply if you are 18 years or older, able to understand English, and in need of financial support to pursue or continue your education. All applications are subject to eligibility review.

PIF helps cover essential student expenses so you can focus on your studies. This includes academic costs like tuition, enrollment, program fees, and required learning materials, as well as everyday living expenses such as food, transportation, and basic personal needs. It may also support housing costs, including dorm fees, rent, or approved accommodation during your studies.

No. PIF is neither a traditional scholarship nor a loan. It provides upfront funding for your studies, and after graduation, you contribute a small percentage of your income for a set period once you start earning.

The application is free to submit and fully online. Just complete the form on our website to get started.

Before applying, please prepare the following: • Completed Application & Budget Form – Fill out all required details accurately and completely. • Valid ID (Student or Government ID) – Any official ID showing your full name (e.g., student ID, national ID, or passport). • Proof of Enrollment or Admission – An official document confirming you are currently enrolled in or accepted by your school. • Character Reference – A person who can vouch for your character and may be contacted during the review process (make sure they're informed and agree to be listed).

• Loan repayments to other institutions • Test prep courses (GRE, GMAT, LSAT, IELTS, TOEFL, etc.) • Conferences (unless required for graduation) • One-off personal expenses such as flights, visa fees, or health insurance