Budget example
A typical cost split for a nursing school dream in Shenzhen, shown in CNY. Backers pay you directly using your accepted payment methods.
Example goal
CN¥110,000
- Tuition and course feesCN¥66,000 · 60%
- Clinical supplies and uniformsCN¥16,500 · 15%
- Books and learning toolsCN¥11,000 · 10%
- Placement travel and livingCN¥16,500 · 15%
What you receive
- Backers give
- CN¥110,000
- 0% platform commission
- −CN¥16,500
- You receive
- CN¥93,500
- 01
Price from quotes, not hopes
Get at least two quotes for every large cost and note what is included. Backers rarely mind a high goal; they mind a goal that looks invented.
- 02
Plan for what you receive
cohero takes 0% commission on backings, so you receive what Backers send directly through your payment methods. Set the goal so that amount covers your real costs.
- 03
Add a small buffer
Prices move. A buffer of five to ten percent in your last milestone covers surprises without making the goal look padded. Say so openly in your story.
Example milestone plan
An example plan for a nursing school dream with a goal of CN¥110,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
CN¥22,000 · 20%
Secure the first term
Post an enrolment confirmation, the first tuition receipt and a dated breakdown of required nursing course supplies.
Milestone 2
CN¥33,000 · 30%
Begin clinical training
Share paid course invoices, a placement schedule with identifying details hidden and receipts for clinical supplies.
Milestone 3
CN¥33,000 · 30%
Continue supervised practice
Upload the next tuition receipt, a redacted attendance summary and travel records for the funded placement period.
Milestone 4
CN¥22,000 · 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.
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.
Questions and answers
Does cohero take a commission on backings?
No. cohero charges 0% commission on backings. Backers pay you directly to your chosen payment method, so towards your goal of CN¥110,000, you receive the full amount confirmed by you without platform deductions.
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.
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.
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