With support from the $100 million Google Career Certificates Fund, Social Finance is managing an innovative investment program that aims to empower more than 20,000 learners to realize over $1 billion in aggregate wage gains over the next decade.

Supported by inaugural training providers Merit America and Year Up, learners upskill and earn Google Career Certificatesindustry-recognized credentials that equip people with the skills needed to enter in-demand fields such as data analytics, IT support, project management, and user experience design. The program focuses on helping people from underserved communities access well-paying, high-growth jobs.

By increasing access to skills-based training and supportive services, Google, Social Finance, and our partners are working to create a more equitable and inclusive job market and fill talent gaps across the country.

Photo courtesy of Google: Karrim Omer, Google Career Certificates Graduate, Data Analytics


How It Works

Learners enroll with one of our training providers at no upfront cost and repay the cost of the program only if they land a job earning a minimum amount, such as $40,000 a year. Benefits include:

Job-ready skills training

Through Google Career Certificates, learners develop skills designed to prepare them for high-growth careers with proven success—75% of certificate graduates report a positive career impact within six months of completion, such as a raise, promotion, or new job.

Student-friendly financing

Guided by a Student Bill of Rights, students repay via flat monthly payments for a set term, as long as their income remains above the minimum threshold. For example, students who secure jobs earning $40,000 would pay approximately $100 a month. Learners who earn less than $40,000 pay nothing. Repayment terms, such as minimum earnings amount and monthly payment amounts, will vary by training provider. Social Finance will reinvest repayments back into the program for several years to enable future learners to benefit.

Wraparound support

Learners receive career and professional development services that may include resume review, coaching, interview prep, and job placement support, as well as funding to address real-life challenges that may arise during training—such as emergency aid funds, transportation, and child care cost support.

Photos courtesy of Merit America

Getting Started

We work with training providers to reach learners, enabling them to earn Google Career Certificates and land good jobs. Learn how to apply below.


Merit America is a nonprofit that works with major employers to build new pathways to upwardly mobile careers for Americans without college degrees. Apply here >


Year Up is a workforce development nonprofit that strives to close the Opportunity Divide and provides young adults with in-demand skills training, followed by an internship at a top employer. Apply here >


Project Partners

  • Google is funding the initiative.
  • Social Finance is designing the initiative, managing the investment program, and deploying the funding toward optimal student outcomes.
  • Merit America is working directly with learners as a training provider of Social Finance.
  • Year Up is working directly with learners as a training provider of Social Finance.
  • MDRC is the independent nonprofit evaluator assessing the initiative’s outcomes for Social Finance.

Additional qualified training providers will join the initiative over the course of this 10-year fund. If you’re interested in becoming a training provider, please fill out this form.


Website Notices

This Website displays information about Social Finance’s program supported by the Google Career Certificates Fund. All information is provided for informational purposes only and does not constitute, and should not be construed as, investment advice or a recommendation to transact in any security or investment. Complete terms of the student financing will be set forth in a loan agreement, and may vary by training provider. If you have any questions about this Website or the information on it, please contact Social Finance at info@socialfinance.org.