While higher ed & career training have evolved, there has not been a similar evolution of scalable & affordable financing models to meet the maturation & diversification of today's learner network. Neither consumer, nor our nation's economic needs can be adequately addressed within the existing talent finance architecture, which remains too dependent upon generational wealth, strong cosigners, and/or high credit scores. We will share and discuss innovative talent finance for real-time economic mobility, including for technical training, upskilling, and learn-and-earn programs.