What we offer
1
Funding your dream
With us, education is financed through an Income Share Agreement (ISA) — a modern alternative to traditional student loans.
There is no collateral, no interest, and no credit history requirement. Instead of fixed debt payments, graduates contribute an agreed percentage of their income only after employment, and only if their income exceeds a defined minimum threshold.
ISA funding is available for academic, vocational, and language programs in countries from our approved list or at partner educational institutions.
Funds may also be used to replenish a blocked account or to cover living expenses when enrolling in tuition-free educational programs.
2
Personal account, transfers and cards
Now you can open an account for international transfers and a multi-currency card for payments and currency conversion with favorable conditions in three clicks. Our advantages are free account opening, direct transfers to Europe, low commissions for transfers, favorable currency conversion, generous bonuses for active clients and referral programs.
Prototype / Concept page
Get approved for an Income Share Agreement through AI-powered assessment — no collateral or credit history required.
Study and Vocational programs
Choose your career path
with our AI Assistant
Pathway Language Courses:
English: IELTS / TOEFL / Academic English
German: A1–C1, Studienkolleg prep, TestDaF
French: DELF/DALF
Postgraduate Study Programs:
Cybersecurity
Renewable Energy / Sustainability
Biotech / Life Sciences
Finance / Fintech
Public Health / Epidemiology
Vocational/Training Programs:
ICT / IT Support / Network Admin
Electrician / HVAC / Plumbing / Welding
Automotive / e‑Mobility Tech
Dental Technician / Health Assistants
Culinary / Hospitality / Hotel Management
Logistics / Supply Chain / Warehouse / E‑Commerce related trades
Choosing educational and vocational programs is easy with the AI Assistant.
Don't lose out on currency exchange rates and international transfers!
With us, you get favorable exchange rates and transfers without commissions
What users of the platform say about us
I have long dreamed of visiting Europe and studying to become a cosmetologist, but my family could not afford to pay for my education.
Now, thanks to the PayRav platform, I have this opportunity. After completing my studies, I plan to start working and in the future to launch my own Beauty Salon in Berlin.
Thank you for this opportunity!
Alina Nazarova, 24 years old. Kazakhstan.