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What Is an Income Share Agreement (ISA)?
In 1955, Milton Friedman (Chicago School economist and Nobel Prize winner) introduced the idea of funding education through future income instead of debt.
An Income Share Agreement (ISA) allows students to receive financial support for education, living expenses, and relocation — without taking a traditional loan.
- No interest-based debt
- Repayment only after employment
- Payments scale with income
- If you earn less, you pay less
ISA models are designed to be fair, human, and outcome-oriented.
Global Education Costs & ISA Coverage
To fully support a student, ISA funding considers tuition, living expenses, and relocation costs.
- USA: $35,000–$73,000 per year
- UK: $28,000–$72,000 per year
- EU (average): $6,000–$37,000 per year
- Asia: $6,000–$37,000 per year
- Latin America: $4,500–$29,000 per year
- Israel: $16,000–$24,000 per year
ISA terms adapt to total funding requirements: higher costs imply higher income share or longer repayment periods.
🎓 ISA programs available at Ivy League universities
Income Share Agreements are already used by some of the most prestigious academic institutions.
You’re not experimenting with something new. You’re using a system already trusted by elite institutions.
ISA Plans
For Individuals (B2C)
- Starter: 6% income · 36 months · 1.4× cap
- Pro: 8% income · 36 months · 1.6× cap
- Elite: 10% income · 24 months · 1.8× cap
For Employers & Sponsors (B2B)
- B2B Starter: 5% salary · 24 months · 1.3× cap
- B2B Pro: 6.5% salary · 24 months · 1.5× cap
- B2B Elite: 8% salary · 18 months · 1.7× cap
All plans allocate 20% to operations and risk coverage, 15% to university partners (if applicable), and 65% to program delivery.
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