Shared Outcomes Plan 



The Shared Outcomes Plan is a financing approach that provides funding for Year Up to deliver its program while giving participants access to Year Up’s comprehensive program benefits with no upfront costs. When participants achieve career success, they repay a portion of program costs which are reinvested in the fund to support additional future learners. In practical terms, the financing mechanism underpinning the Shared Outcomes Plan is an outcomes-based loan – a consumer loan that aligns the incentives of participants, training providers like Year Up, and social investors committed to making education more accessible. Outcomes based loans are regulated as private consumer loans.


Partnering Organizations

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  • Year Up’s training program provides access to the nation’s best companies and a proven path to career success. Year Up is responsible for delivering all program activities and its mission is to close the Opportunity Divide by ensuring that young adults gain the skills, experiences, and support that will empower them to reach their potential through careers and higher education. 

  • Ascent Funding is a private loan organization whose mission is to provide access to education for millions of underserved students every year. Ascent manages all administrative aspects of the Shared Outcomes Plan including loan application, reporting, and payment processing. 

  • The $100M Google Career Certificates Fund aims to expand access to Google Career Certificates and help more than 20,000 learners from underserved communities land good jobs in high-growth fields. The Fund is supporting Social Finance - a national impact finance and advisory nonprofit - to work directly with training providers like Year Up. 

Eligibility & Application 


  • In addition to Year Up’s typical eligibility requirements, programs that include the Shared Outcomes Plan are not available to participants who are in bankruptcy proceedings or have debt in collection of $15,000 or more.  

  • When you apply to Year Up, you’ll speak with a member of our team who will explore your interest in the Year Up program. They’ll also walk you through the terms of the Shared Outcomes Plan and share a link to Ascent’s student portal where you can enter some basic information. You are not signing up for anything at this time. 

  • Once you’re selected for the Year Up program, you’ll begin participating in program activities – including regular check-ins with your learning coach and fellow students, and access to the Google Career Certificates online learning pathway.  

  • At week 5 of the program, Year Up staff will remind you to formally enroll in the Shared Outcomes Plan by applying for your outcomes-based loan via Ascent’s student portal. Just like applying for a credit card or other consumer financing, you can generally expect this application and associated credit check to temporarily lower your credit score by about five points. 

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