Resume Template

Pros and Cons of Resume Templates — And Tips for Using One

When it comes to a job search, you’ll want to do everything you can to make the process as easy as possible. One method you may utilize is building your resume with a template rather than from scratch. But what are the benefits and drawbacks to templates, and if you do decide to make use of one, how can you be sure it’s as effective as possible?

Pros

Saves time

Crafting resumes from scratch takes time. By using a resume template, you can skip some of the work and have more time for job applications, interviews, or whatever else you may need to get done.

Guides what to put on your resume

If this is your first resume, a template can be useful for letting you know what should be included and where things should go. Space for all the core items will be laid out for you, so you won’t run the risk of overlooking or forgetting to add something important.

Helpful for those with limited formatting skills

Not everyone is a design wizard. If you’re unsure how best to format the page, professionally-designed templates will enable you to create a resume that’s clean and aesthetic.

Cons

Might blend in with the crowd

Certain resume templates can be popular, but that means you might end up with one that looks just like several other applicants’. That’s certainly not the worst possible outcome, but it does mean it won’t stand out to hiring managers.

Risk of overlooking placeholder text

When everything is already laid out with placeholder text, it can be easy for your eyes to miss things. If you’re not careful, you risk accidentally leaving in placeholder text, which can leave a bad impression on prospective employers.

Formatting may not match with your experiences

Since resume templates have all of the sections already laid out, a certain amount of space has been allotted to your skills and experience. If you’re new to the field, this might result in a large gap — and if you’re unable to edit the spacing, your formatting could end up looking thin and uneven.

Risk of the resume not being ATS-friendly

These days, most employers use applicant tracking systems (ATS) to go through submitted resumes and filter out those that don’t tick the right boxes. Not all resume templates are optimized for ATS, so there’s a chance it will never even make it to the hiring manager at all.

Tips for using a resume template

Triple-check to make sure all placeholder text has been edited

Re-read everything on your resume, and even have friends or family look over it to make sure you didn’t miss anything.

Find a template that fits with your industry

Some fields might benefit from a more creative resume, while others may require something basic. Make sure whatever you choose, it matches your prospective career.

Use templates as guidelines, not mandates

Don’t be afraid to add your own personal touch to the resume where possible, to help you stand out as a candidate.

Search for templates that are ATS-friendly

Find templates that are specifically designed to work with ATS so that yours doesn’t get filtered out.

Find more career assistance

Attending a Climb partner computer science or business training program, and ready to get to the next stage in your career? Sign up for our free ClimbTalent career development platform to access job listings, resources and tools, mentorships, and more!

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What to Expect: Realistic Outcomes

Climb’s Comprehensive Access Solution can offer a strategic balance of increased enrollments and upfront cashflows compared to traditional lenders. While no financing solution guarantees 100% collection, our data-driven approach maximizes both upfront cash and long-term repayment rates.

Typical Partner Results:

  • 15-30% of students qualify for Climb Loans with upfront tuition delivered to the school shortly after course start
  • 45-60% of students qualify for 0% APR* payment plans
  • Enrollment increases of 20%+ reported by partner schools**

**Results vary by school and student demographics. This represents performance reported by individual school partners and should not be considered a guarantee of your specific outcomes.

The bottom line: CAS is designed to maximize your net tuition recovery while eliminating the administrative headaches of student financing.

Maximizing Your Results

Pro Tip: Schools that require student deposits and set up automatic payments during enrollment see significantly better repayment performance across all financing options. These simple steps can meaningfully improve your outcomes.

FAQs

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

We use a comprehensive, AI-driven assessment that goes beyond traditional FICO scores to better serve career training students:

  • Climb Credit Score: Over 150 data points specifically designed for vocational students
  • Debt-to-Income Ratio: Reliable predictor of payment performance
  • FICO Score: Used primarily for interest rate assignment

Key advantages of our approach:

  • Soft credit pull until loan funding (no credit impact during application)
  • The majority of students receive instant decisions
  • Students can apply with co-borrowers directly in the application
  • More accurate placement into appropriate financing products

Students are placed into funding brackets (Elite, Standard, Enhanced) based on our AI assessment. Higher-credit students generate higher upfront payments to your school, while students with limited credit are seamlessly directed to our 0% Payment Plan.

These brackets are established using data from over $1 billion in career training loan originations and may be adjusted periodically based on updated repayment trends.

Important note: Regardless of which bracket a student falls into, they are considered fully paid by your school once funded. The student’s repayment obligation exists exclusively between Climb and the student.

Elite Access not available for Computer Science programs. Upfront percentages vary by industry and loan terms.

Once Climb disburses upfront funding for a student loan, that student is considered fully paid by your school. You will not receive any additional payments for that student—the single upfront payment is complete and final.

From that point forward, the student’s repayment obligation exists exclusively between Climb and the student. Your school has zero liability if the student defaults, and you keep the full upfront payment regardless of the student’s future payment performance.

They’re automatically offered our 0% Interest Payment Plan, ensuring no student is turned away while maintaining steady monthly cash flow for your school.

Higher-credit students generate larger upfront payments (75-100% of tuition), while students with limited credit use our 0% APR* Payment Plan for consistent monthly revenue. Both options are risk-free for your school

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Absolutely. Climb complements existing payment options like scholarships, employer-sponsored programs, and internal financing.

Typically, within 5-10 business days after your partnership agreement is signed.

Comprehensive onboarding webinar, continuous partner support via AI-assisted chat and live email—and real-time borrower assistance with our live-chat-available student success team.

No. Climb fully manages the administrative responsibilities—your team simply monitors your school’s performance via our intuitive School Portal.

Your school is fully protected either way. For Climb Loans, you keep the entire upfront payment with zero liability. For Payment Plans, you only receive what students actually pay, with no risk to your school.