As the cost of college continues to rise, more students and families are turning to employer tuition reimbursement programs as a way to fund education without debt. These programs, offered by companies ranging from fast-food chains to tech giants, provide employees with financial support for accredited degree programs, professional certifications, and even graduate degrees like getting your MBA.

For workers, the appeal is straightforward: earn a paycheck while receiving substantial help with tuition. For employers, tuition assistance programs are a recruitment and retention tool in a competitive labor market.

The average annual benefit is about $5,200, with some companies covering 100 percent of tuition. Starbucks, Walmart, and Papa John’s reimburse all eligible tuition at partner universities. Others, like Microsoft and Goldman Sachs, provide up to $10,000 per year.