The Safe Marketplace For Income Share Agreements

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How It Works


1. Origination

Students sign income share agreements (ISAs) with a school.

The school gives the students funding for their education now in exchange for a percentage of their future income for a set time.

2. Marketplace

Our platform enables this stage of the process.

After origination, schools use our platform to sell signed ISAs to investors for a one time payment.

We manage the sales process and connect sellers with interested investors.

3. Return

Students pay a percent of future income for a set time to ISA investors.

Overall, it appears that educational programs that have designed and offered ISAs in recent years describe broadly positive experiences after introducing their ISAs.

Educational programs report better-than-expected payment patterns; students have felt positively about their ISA experiences...

- Federal Reserve Bank of Philadelphia Discussion Paper, December 2019

In recent years, ISAs have gained popularity as a means to finance education.

Major universities such as Purdue have created ISA programs for their students, while new educational models, such as short-term coding academies, look to ISAs as a financing tool. The idea has proved popular with students and parents, too.

-Sheila Bair, 19th Chair of the US FDIC

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