How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to review the proof, ask for more info, and decide whether to keep supporting your next milestone.
0% commission — direct gifts, nothing taken
Backers pay exactly what they choose directly through your payment methods. cohero takes 0% commission on backings, so you keep what is sent. Any refunds or disputes are handled directly between you, the Backer and your payment provider.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
- 01
Before you back
Read the story and the milestones. Check that the amounts add up and that each step has something concrete to prove. If anything is unclear, ask in chat first.
- 02
While the dream runs
You can support a dream milestone by milestone. When proof is posted, you are notified and can review it, ask questions, and decide whether to send the next payment. You can back anonymously.
- 03
If something goes wrong
Because you pay directly and can give milestone by milestone, you remain in control and never have to fund unproven steps. You can report a dream or block a user at any time.
Example milestone plan
An example plan for a nursing school dream with a goal of €14,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
€2,800 · 20%
Secure the first term
Post an enrolment confirmation, the first tuition receipt and a dated breakdown of required nursing course supplies.
Milestone 2
€4,200 · 30%
Begin clinical training
Share paid course invoices, a placement schedule with identifying details hidden and receipts for clinical supplies.
Milestone 3
€4,200 · 30%
Continue supervised practice
Upload the next tuition receipt, a redacted attendance summary and travel records for the funded placement period.
Milestone 4
€2,800 · 20%
Complete the final term
Post final-term payment records, receipts for remaining required materials and a course completion update.
Risks to plan for
- R1
Placement dates can move
Clinical placement dates or locations may change during the course. Separate placement costs by term and allow room in the travel budget for a revised route or schedule.
- R2
Required supplies vary
A placement may require different uniforms or equipment from classroom study. Confirm supply lists before purchase and attach the relevant list to each materials milestone.
- R3
Study reduces paid hours
Classes and clinical shifts can reduce time available for paid work. Map essential living costs to each training block rather than assuming the same work schedule all year.
Questions and answers
What proof can I share without revealing patient details?
Use tuition receipts, required supply invoices and course attendance records with personal details hidden. Never post patient notes or clinical images; Backers need evidence of the funded step, not access to patient care.
Can I see how my money was used?
Yes. Each milestone shows the Dreamer's proof and confirmed support. You stay in control by choosing to send direct payments only for milestones you have personally reviewed.
Can my goal include travel to clinical placements?
Yes. Explain which placement journeys the goal covers and show how you estimated them. Use travel receipts or a redacted journey log as proof, without exposing patient information or confidential placement records.
Budget example
A typical cost split for a nursing school dream in Lisbon, shown in EUR. Backers pay you directly using your accepted payment methods.
Example goal
€14,000
- Tuition and course fees€8,400 · 60%
- Clinical supplies and uniforms€2,100 · 15%
- Books and learning tools€1,400 · 10%
- Placement travel and living€2,100 · 15%
What you receive
- Backers give
- €14,000
- 0% platform commission
- −€2,100
- You receive
- €11,900
Ready when you are
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