Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: TX

Complaint narrative:
I took out a private student loan through Climb Credit in approximately [ year ] to attend XXXXXXXX XXXX XXXX XXXX XXXX. I enrolled based on marketing that promised strong mentorship, career support, and a job guarantee if I completed the program and did not obtain employment. I relied on these representations because I was seeking a career change and financial stability, and the job guarantee was a key factor in deciding to take on this debt. The program was advertised as requiring about XXXX hours per week, but in reality, the workload was far more intense and required constant cramming with no real breaks, weekends, or flexibility. I later learned that requesting any extension would void the refund/job guarantee, which made the guarantee functionally unreachable unless everything went perfectly. 

During the program, I worked approximately XXXX hours per week and successfully completed the front-end portion of the curriculum. I took a three-month extension, requiring that I complete the program in XXXX months, instead of XXXX once I'd reached the XXXX-month mark. I eventually became blocked on a required project that prevented me from continuing. At this point, I was almost finished with the program and had approximately XXXX weeks before my deadline. My mentor stopped showing up for our scheduled meetings and did not respond to my emails. I only received a response after contacting XXXX about missed meetings. My mentor was not able to assist me with the problem I was stuck on in the project as her solutions did not work. I spent hours with chat support only to receive answers that did not resolve the issue. Despite multiple attempts to get help, no one was able to assist me in resolving the issue. 

Because I was blocked and could not complete the remaining lessons and projects in time, I was forced to withdraw from the program. I left without a certificate, job placement, or usable credential, despite having completed a substantial portion of the coursework. 

Shortly after I withdrew, XXXX shut down or restructured the original program and replaced it with separate front-end and back-end courses, the company 's name now XXXX XXXX. The front-end portion I had completed later became its own standalone program. Under this new structure, the work I completed would have resulted in a certificate, which makes it clear that I completed a meaningful portion of what was later recognized as a full course but received no credential or value for it. 

I am now left with approximately {$12000.00} in private student loan debt for a program that failed to deliver the promised educational services and no longer exists in its original form. Due to unemployment and lack of income related to this failed program, I have struggled to make payments. I communicated with Climb Credit when they contacted me about missed payments and was placed on a temporary reduced payment plan. This is my second reduced payment plan, and each plan only lasts XXXX months. These plans do not address the underlying issue that the loan financed an educational program that was misrepresented and failed to deliver. The structure of the program placed all risk on students while using the job guarantee as a marketing tool, despite the workload, support failures, and rigid deadlines making successful completion extremely difficult. 

I believe this loan was issued based on misleading advertising and misrepresentation of the educational services provided. I am requesting loan forgiveness, cancellation, or meaningful relief because the program did not provide what was promised, and I am left with ongoing financial harm and debt for an education that failed.

Company response to consumer: Closed with explanation