WE ARe Vc'S for humanS
At Skillsvest, we invest in the brightest minds, guiding and funding every step of the journey to a world-class education and a successful career. Through our unique IRR Capped Income Share Agreement model (IC-ISA), we make it possible for you to attend one of the world’s top universities (MIT, Harvard, etc.) without financial barriers.
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HOW it works
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Finding and preparing exceptional talent
Building connections and landing dream jobs
We identify high-potential students and provide comprehensive support to build a strong application. From CV and cover letter guidance to funding for entrance exams and dedicated preparation, we ensure our students are fully equipped to secure admission to top universities.
Throughout university and beyond, we connect our students with a strong professional network, opening doors to internships, mentorship, and job opportunities. With ongoing networking support and career guidance, we ensure they secure the high-impact roles they have worked hard for.
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Covering every cost for a worry-free experience
Once accepted, we take care of everything—tuition, living expenses, flights, relocation, and more. Our students can focus entirely on their studies and personal growth, knowing that every cost is covered. We need zero collateral from the student's side.
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Give back to help other students
Once you work and earn, you contribute a specified percentage of your income to help fund the next generation of talented students. On average students pay back in 2-3 years after graduation without any financial difficulties. If a student ends up earning less than the cost of living or stays unemployed they have no obligation to pay us back!
We care about you
HOw both of us profit
Skillsvest operates on a revenue model that aligns directly with student success. We view every talented individual as an investment, and we strive to create mutually beneficial outcomes. Here is how it works:
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Income-Based Repayment Structure
Skillsvest’s repayment system is based on an IRR-Capped Income Share Agreement (IC-ISA) model, where students commit to repaying a percentage of their income after securing employment.
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No repayment if you do not get a job: We truly invest in you and due to any scenarios like job market crashes, visa problems, personal issues etc. if you fail to find a job we take all the risk and you would not be required to pay anything to skillsvest!
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Personalized Income Percentages: Students repay what they earn above a comfortable cost of living until they reach a specific IRR assigned by Skillsvest.
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Flexible IRR Bracket (19-25%)
Our returns are structured within an Internal Rate of Return (IRR) range of 19-25% to ensure both sustainability and fairness.
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Lower Bracket (19%): Candidates with strong profiles and high employment prospects will contribute at the lower end of the bracket, reflecting their lower risk.​
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Higher Bracket (25%): Candidates whose career paths may be more uncertain or competitive may have a slightly higher income share percentage, allowing us to balance the financial assistance and resources we offer with the associated risk.
In most cases, this takes around 2 to 3 years. For a one-year master's program, students typically repay 1.4 times what they borrowed, while for a two-year master's program, they repay 1.55 times the borrowed amount. For context, students with a traditional 11% student loan over a 10-year term pay an average of 2.04 times and 2.26 times, respectively.
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A Win-Win Approach to Growth
Our model is built around shared success. The better our students perform, the more successful we become, enabling us to reinvest in new talent and expand our impact.
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Early Repayment Option:
Students can choose to repay their commitments ahead of schedule, should they wish, giving them greater financial flexibility.
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No Employment Obligation:
We do not require students to accept specific jobs or roles solely for repayment purposes. Our students have complete freedom to pursue their careers in any direction, without pressure to prioritize repayment over their personal and professional goals.
If a student cannot achieve the target IRR within six years after graduation, they will not be required to repay any income earned beyond that period. Besides the cap on the repayment time there is also one on the amount. No student no matter their program and repayment structure will have to pay more than 2x (master) the amount borrowed.
IRR
InTEREST RATE
The Internal Rate of Return (IRR) is a concept that is often misunderstood. It is not as simple as the interest rate on a loan, yet it is one of the most powerful tools to measure investment returns. To help you understand how IRR works—and why we use it at Skillsvest—we have created a straightforward example to break it down for you.
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The payment is the same but the rates differ.
Faster repays reduce the payback amount.
EXAMPLE
You and your friend have a deal: You supply him with 100 dollars and in return your friend gives you 15 dollars back each year. The interest with this deal is 15% per year.
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Now you establish a similar deal with another friend: You provide your friend with 100 dollars but now he does not pay you back 15 dollars each year rather on a good year he gives you 85 but on a bad year he gives you 15 dollars. To get the % return per year in this case we need to know the IRR.
We know IRR can be complicated! But this is what it means for you:​​
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Your IRR on average would be around 20-22% and with Skillsvest your payments are capped at 6 years post graduation if you owe anything at that point it will be 100% waived off!
Hence, students pay on average 1.55x on initial investment one year master’s and 1.65x on two year master’s with Skillsvest
In case of unemployment, no repayment is necessary.
We succeed if you do!
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Banks in India charge interest rates around 11.5% to 14% p.a
Students with a traditional 11% student loan over a 10-year term pay an average of 2.04 times and 2.26 times, for 1 year and 2 year masters respectively (Assuming EMI for 10 years)
Risk of losing your assets & legal proceedings in case of failure
This is an empirical estimate as it depends on your choice of university, how much we fund you in total and how much you earn on average for your course. To get your personalized financial quote please email your dream Course and University at info@skillsvest.com.