Since 2004, YTS has been offering budget-friendly payment plans that make it easier for thousands of families to pursue educational goals. With our convenient process, you will know all the amounts – monthly payments and rates – you prequalify for with no impact to your credit until you select a plan and move forward. Complete your application in minutes and receive status updates throughout the process. No upfront payment is necessary, and the educator you choose will receive their fund within 3 business days.