Your Pathway to Better Income Starts Here
Learn now. Pay when you earn. — our founding promise since 2017.
Earn and Pay helps immigrants find courses, training and jobs they can start with little or nothing upfront — free, employer-paid, pay-when-you-earn, or on a clear payment plan. The full cost is shown in writing on every listing, before you apply.
The fastest way in: text or WhatsApp “EARN” to +1 (224) 659-6285 — we’ll match you by chat.
Or take the guided route: Find your pathway — answer 7 questions and get matched opportunities, funding that may help, a plan for your biggest barrier, and a personal roadmap.
Every listing shows its full cost upfront · We are not a lender · Free to join, forever
Operating since 2017 — begun in Africa, now expanded to North America.
2017
Running since
35
Verified opportunities
100%
Full cost disclosed on every listing
$0
To join, forever
What are you looking for?
How It Works
1. Tell us your path
Pick what you want to become: nurse, truck driver, electrician, tech support, business owner… and where you are.
2. Get matched
We send you verified programs you can start for $0 or on a clear payment plan, by email, SMS or WhatsApp. Every match shows exactly what you’ll pay, when, and the maximum — before you apply.
3. Know the cost before you start
Depending on the program: pay only when you’re earning, pay in instalments, or pay nothing at all. Every listing shows which applies — and the maximum — before you apply.
The Ladders
Healthcare
CNA → LPN → RN. Start in weeks, earn for life.
Trucking (CDL)
Company-paid training, driving jobs waiting.
Skilled Trades
HVAC, electrical, welding, plumbing apprenticeships that pay you while you learn.
Tech
Coding, IT support and cybersecurity schools with deferred tuition.
Business & Creators
High-ticket courses you can access now and pay for from what you earn.
Jobs that train you
Employers who pay for your training because they need you.
Free Courses (Global)
English, tech, business and more from the world’s best free platforms. $0 to learn, from any country.
Why Trust Us
Other sites hide the cost until you’re trapped. We do the opposite. Every listing on Earn and Pay must show, before you can apply:
- What you pay upfront (we prefer $0)
- What % of your income or what amount you’ll pay later
- The income you must be earning before payments start
- The maximum total you can ever pay
- What happens if you don’t get a job
If a program won’t disclose it, it doesn’t get listed. If a partner mistreats our members, it gets removed. (Full Trust Charter)
Questions, answered straight
Is Earn and Pay a lender?
No. We are a directory and matching service. Where financing exists, it is provided by the listed schools, lenders and employers under their own contracts – and every listing shows those terms in writing before you apply.
Does it cost anything to join?
No – joining is free, forever. We may earn a referral fee from partners when a match succeeds; it never changes what you pay.
I’m not in the United States yet. Can I use this?
Yes – the Free Courses (Global) section is online and open from anywhere in the world. The pay-later courses and jobs are for people authorised to work in the US.
Can you help with my visa or immigration case?
No – we don’t provide immigration or legal advice. We connect you to training and jobs; many of our community partners can point you to people who help with the rest.
How do I start?
Join free with the 60-second form below, or WhatsApp the word EARN to +1 (224) 659-6285 and we’ll match you by chat.
Why “Earn & Pay”?
The name is our history. Earn & Pay began in Nigeria in 2017: we placed income-generating assets — starting with motorcycles — in partners’ hands, and they repaid only from what they earned. Earn first. Pay from earnings. Never the other way round.
The mission is our future. In North America we no longer finance everything ourselves — we connect you with the employers, schools, funders and programs that already exist, and match you to the ones that fit your real situation. We help you find a verified, affordable pathway from where you are today to better income and greater financial independence.
Access to opportunity comes before financial barriers — that philosophy has never changed. Earn & Pay is not a lender, not every opportunity involves repayment, and our matching service is free for users. Always.
Our Story
Earn and Pay began in Nigeria in 2017. In Abeokuta and Mowe, Ogun State, we put income-generating motorcycles in partners’ hands — an asset, not cash — and they paid back only from what they earned. Years later I came to America and met the same closed door: no credit history, papers nobody recognises, no one to open the first door. That is why this exists.
Join Free — the 60-Second EARN Signup
Your next chapter starts at $0.
or WhatsApp EARN to +1 (224) 659-6285
Earn and Pay is a directory and matching service. We are not a lender, not a school, and we don’t provide immigration or legal advice. Financing, where offered, is provided by the listed schools, lenders and employers under their own contracts — and every listing shows those terms before you apply. We may earn a referral fee from partners; it never changes what you pay.
Follow Earn and Pay on LinkedIn
Impact-Site-Verification: 2d5feae9-f554-48bc-b57f-33fad38db98c