powered by 
FinWise Bank’s loans made available to you through the Clasp platform are not endorsed by MedCerts.
You've made it this far. We've got the rest.
A funding gap right before the finish is one of the worst feelings and it's way more common than anyone admits. You're not alone in this, and you don't have to put your career on hold to figure it out. We built this with MedCerts so you can keep going.
How It Works
The NCL Program made available through Clasp¹ flexible financing without a cosigner, with payments now so things stay lighter later.
Enroll with MedCarts
Get accepted into a MedCerts program.
Apply for an NCL
Complete the application on the Clasp platform. You'll need your program name and cohort date, your amount of need, and a reference contact.
Focus on learning
Make in-school payments, so the amount left after you graduate or leave feels manageable, not overwhelming.
Start making payments
You've been paying all along, so there are no surprises. After you finish, continue your monthly payments until you're fully paid off.
Bridging The Gap
The students who walk through MedCerts go on to do work that matters. They keep clinics running. They take the call when a network goes down at 2 a.m. They're the ones patients see first, the ones who quietly hold healthcare and technology together every day. That work and the people who do it is what we need more of, not less.
MedCerts built this program because we believe the next great medical assistant, the next great cybersecurity analyst, the next great pharmacy tech shouldn't have their future decided by a tuition gap.
So focus on what you came here for; the patients you'll care for, the systems you'll keep secure, the lives you'll change. We'll make sure the cost of getting there doesn't get in the way.
Get to know the numbers
No surprise amounts, pay the same every month².
Allowing you to plan for the future and major milestones
No cosigner needed. Ever.
Autopay Benefits
When you sign up for autopay, your interest rate drops from 9.90% to 7.40% (2.50% reduction), a simple way to save over the life of your loan. It's entirely your choice.
*Enrollment in autopay is voluntary and is offered as an optional benefit only. It is not a condition of loan approval, closing, or any legal obligation under your loan agreement. You may cancel autopay at any time without affecting your loan terms.
Frequently Asked Questions
¹ Loans may be issued by Clasp or FinWise Bank, a Utah-chartered bank, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
² The 9.90% interest rate is fixed at the time of application and does not change during the life of the loan. The Interest Rate may be lower or higher than your Annual Percentage Rate (“APR”) because the APR includes the Interest Rate, Applicable fees and whether payments are deferred while you are in school.
This repayment example assumes a $6,500.00 loan (the maximum loan amount) disbursed in one disbursement during the academic year, with a fixed Interest Rate of 9.90% and a 12-month repayment term. For a $6,500.00 loan: 12 monthly payments of $571.08 for a total repayment of $6852.98 . The APR for this loan is 9.90%.
³ There is no credit check required to receive a quote. If you choose to submit an application for funding, a hard credit pull will be performed at that time. Your credit score or history isn't the only thing that decides your approval or denial, but your credit will be checked.
Valid as of May 19, 2026.