A 4 year career college can cost $20,000 - $30,000 per year and $80,000 to $120,000 over 4 years. The cost for our 6 month Desktop Support Specialist program is $9500 which includes your registration fee, books and supplies.

CCTC offers a variety of payment methods.
The student may pay the amount in full with a major credit card, Cashier Check or Cash.
 

Payment Plans & Personal Loans:

Personal Loans:

Career Change Training Center works with local banks to help students cover the cost of tuition through private personal loans.  Personal loans are credit based loans and require the student or co-singer to have good credit and a source of income. 

We are listing the basic guidelines used by most banks for approval of these loans.  Please note that these guidelines do not guarantee the approval of your loan.  The bank will make the decision after completely reviewing your application. 
 
CCTC works with the local PNC branch located two blocks away from our facility in Carol Stream, IL.  The bank offers two types of private loans, secured and unsecured.   These guidelines are general guidelines and not necessarily PNC’s guidelines.  Most banks like to see the following before they approve an application.
 
 

1. Established and good credit history.  You should have a minimum of 5 years of good credit history.  If you do not have an established credit history, a co-signer is recommended.
2. Two years of personal tax returns.
3. Last two years of W-2s.
4. Last two paycheck stubs.
5. Income to Debt ratio should be less than 36%. 

 
If you are a high school graduate and don’t have any credit history or you don’t have good credit, a co-signer is recommended.  For the purpose of a Personal loan most banks base their decision on the primary person making the request.    If a parent, relative or a friend is going to co-sign the loan for you, it’s recommended that they list themselves as the primary on the loan.   This will increase your chances of getting an approval and also help you establish credit as you make your payments on time.
 
 

Payment Plans: (Coming Soon)

Students may apply for a payment plan if they meet the minimum requirements.

1. Students must have an established credit history with good to excellent credit rating. If credit or lack of credit history is a problem, a cosigner is recommended.
2. Last 2 years of W-2s
3. Last 2 paycheck Stubs
4. Last 2 years of personal tax returns
5. Income to Debt ratio below 40%
6. Student & Co-signer must signup for direct debit or an automated credit card payment authorizing our payment processor to debit the account directly.
7. A co-signers account will only be debited if the primary on the payment plan is behind in payments. 
8. If a sponsor / Cosigner will be making the payments on behalf of the student then they must authorize and sign up for direct debit or an automated credit card payment.

The interest rate can range from 6% - 18% depending on the credit history and duration of the payment plan. The students have the option for a 12 - 72 month payment plan. Students must pay a minimum of $500 to enroll in the program. The remaining balance will be financed over the payment plan term. Students are expected to make monthly payments when they start the program.

Basic Table of Interest Rate (Credit score may cause the Interest rate to go higher)

1 Year Payment Plan - 6% Interest Rate
2 Year Payment Plan - 8% Interest Rate
3 Year Payment Plan - 10% Interest Rate
4 Year Payment Plan - 12% Interest Rate
5 Year Payment Plan - 14% Interest Rate
6 Year Payment Plan - 16% Interest Rate

The monthly payment can be as low as $200 for a 72 month payment plan. There is no prepayment penalty.  You may pay off the balance or make higher payments to pay off the balance faster.  

Listed below is a sample of the payment plan