A Shared Income Agreement (SIA) is a method of tuition finance where you don't pay anything up-front, and only pay when you land a high-paying job.

At CAPSLOCK, you will repay 12-13% of your gross (pre-tax) monthly income for 48 months after you graduate from the course, but only once you are earning over £25,000 a year.

SIAs scale with you, so when you’re earnings are lower, your repayments are lower. They’re always affordable. We use SIAs so everyone has the opportunity to get the career-changing education they need, regardless of their financial situation.

It is an FCA-regulated agreement which is provided by Student Finance. You'll have access to two options depending on whether you can pay a deposit or not.

Without deposit

With deposit

Up-front fees or deposits



Monthly income share



Number of repayments

Up to 48

Up to 48

Minimum income threshold



Maximum repayment cap



Maximum contract length

120 months

120 months

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