Study first, pay when you find a job!

At Coyotiv, we believe that the best way to build a stronger, more inclusive industry is by empowering students with a first-class education. That's why our team is constantly looking for new ways to support students of all backgrounds. Our search for greater opportunities for all has finally paid off! We are beyond excited to have partnered with CHANCEN eG to take things to the next level! This partnership will help us in our mission to deliver high-quality education to all.

You can participate in Coyotiv’s full-stack software engineering program with an Income Share Agreement (ISA). This is a fair financial solution that aims to make Coyotiv more accessible and ensure everyone can receive a quality education regardless of their financial circumstances.

With an Income Share Agreement (ISA), you can focus on your software engineering education at Coyotiv, while CHANCEN eG takes care of your tuition fees. Once you start working in a company or establish your own startup, you start making income-based repayments to finance the tuition fees of future generations.

Here's a brief overview of how ISA works:

Study first

While you focus on Coyotiv's full-stack development course, CHANCEN eG will cover your tuition fees, partially or completely with its income-sharing agreement (ISA).

Start repaying after finding a job

Contrary to regular loans, your repayments are made to the CHANCEN eG community and they are based on your income. You do not have a fixed amount of debt, but rather a repayment plan that is tailored to suit your individual financial capacity.

Repay based on your income

Repayments only start when you earn above the minimum threshold of 27,000 Euros gross. This ensures that the repayment plan is only activated when you can really afford it.

The repayment stops

The repayment value is capped and reaches a maximum amount. A high income does not mean that the repayments are excessively high.

The application steps

Here are some frequently asked questions:

How long does the whole process take?

It usually takes around 3 to 4 weeks.

What is the acceptance rate?

Around 90% of the applicants are accepted.

What nationalities are eligible for receiving CHANCEN eG's financial support?

See  CHANCEN eG’s website  for the updated list of supported nationalities and admission criteria.

Do I have to reside in Germany to be eligible?

Unfortunately, you are not eligible if you live outside Germany.

Is there an age limit?

Anyone between the ages of 18 to 45 can apply.

What is the duration of the repayment period?

The repayment period is 5 years, however, it is possible to take a break from repayment if you are unable to work, unemployed, on parental leave or etc.

What are the repayment rates?

If you start Coyotiv and you already have a university degree: 6.23%

If you start Coyotiv and you do not have a university degree: 7.03%

The repayments could be tax deductible but this is dependent on the country you are based in. You can find out more from your local tax office.

Any further questions?

Keep in mind that one of our team members is always there to answer your questions through text in the live chat! You can alsobook a video call  with us or just  fill out the application form  and we will get in touch with you.

Feel free to contact us with your questions about the Income Share Agreement (ISA).[email protected]