- 01
Gifts, not investments
A backing is a voluntary gift towards a goal. Nothing is sold, no ownership changes hands and no return is promised. Backers support a person; you keep control.
- 02
Why milestones still matter
Without contracts, Backers rely on transparency. You post proof for each milestone so they can review your progress and choose to support your dream directly with confidence.
- 03
What you owe Backers
Honesty: a true story, proof for each milestone and updates in chat. Not profits or repayment. Because Backers can pay milestone by milestone, they only send further support as you prove progress.
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.
Example milestone plan
An example plan for a nursing school dream with a goal of $16,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
$3,200 · 20%
Secure the first term
Post an enrolment confirmation, the first tuition receipt and a dated breakdown of required nursing course supplies.
Milestone 2
$4,800 · 30%
Begin clinical training
Share paid course invoices, a placement schedule with identifying details hidden and receipts for clinical supplies.
Milestone 3
$4,800 · 30%
Continue supervised practice
Upload the next tuition receipt, a redacted attendance summary and travel records for the funded placement period.
Milestone 4
$3,200 · 20%
Complete the final term
Post final-term payment records, receipts for remaining required materials and a course completion update.
Budget example
A typical cost split for a nursing school dream in Miami, shown in USD. Backers pay you directly using your accepted payment methods.
Example goal
$16,000
- Tuition and course fees$9,600 · 60%
- Clinical supplies and uniforms$2,400 · 15%
- Books and learning tools$1,600 · 10%
- Placement travel and living$2,400 · 15%
What you receive
- Backers give
- $16,000
- 0% platform commission
- −$2,400
- You receive
- $13,600
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.
Do I have to pay Backers back?
No. Backers send gifts directly to your own payment account. cohero never holds funds or reverses payments; any dispute or refund request is handled between you and the Backer through your payment provider.
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.
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