Traditional private loans contain a principal balance plus interest, both of which must be repaid irrespective of your life circumstances.

Since an Income Share Agreement (ISA) represents our investment in your future success, we assume the risk that the amount you pay us back may ultimately be less than the amount we funded you. Moreover, with automatic deferment, your payments will halt during periods of unemployment, under-employment, or if you are unable to work due to serious illness.

An ISA is like having built-in insurance protection for your educational financing. These built-in protections come standard, and are a key feature which makes ISAs safer than private loans and one of the most flexible financing alternatives available.