James Gallagher
James Gallagher

Career Karma ISA Researcher in Residence

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Income Share Agreements Researcher and writer about the future of education and startups. Author of “Life Capital: Analyzing Equity Investing in People“, a book which outlines the past, present, and future of Income Share Agreements and life capital investments.

Public Service Loan Forgiveness (PSLF): The Definitive Guide

Note: This article is intended as a guide to Public Service Loan Forgiveness (PSLF) and should not be construed as financial or legal advice. Consult a professional, a loan servicer, or the federal government with any specific questions about the…

The U.S. Needs an Updated Higher Education Act

Every few years, Congress revisits the federal legislation that governs higher education. Although they are under no mandate to do so, inaction can result in an outdated higher education system that does not account for recent changes in education. To…

The Rise of the Student Debt Crisis

Presidential hopefuls — especially Democratic — have started to pay more attention to higher education, as the student debt crisis becomes an increasingly large national problem. There are over $1.6 trillion of outstanding student loans, owed by nearly 45 million…

What’s Next for Income Share Agreements?

The student debt crisis has become an even more prominent issue as Democratic presidential hopefuls call for an end to student debt. There are currently $1.6 trillion of outstanding student loans, owed by over 44 million people. And each year,…

Employers Are Helping Pay Down Student Debt. That’s Better Than Free College.

Every year, millions of people around the country attend colleges of all types in pursuit of a degree. Attaining a college degree is the key to earning higher salaries in the labor market, and provides the holder with access to…

How to Pay for Coding Bootcamp: The Ultimate Guide

Coding bootcamps are all the rage these days–and for good reason: they’re among the best ways to break into an exciting and fulfilling career in tech. But many would-be coders are concerned about how to pay for coding bootcamp. This…

More People Should Consider Community College

Community college is the best option for millions of Americans who want to pursue a degree. At a time when the price of tuition is increasing significantly — at almost eight times the rate of inflation — students are starting…

Do Bootcamps Even Need Title IV Funding?

The vast growth of the technology sector has led to an increased demand in qualified workers who have the skills necessary to fill jobs. A 2018 study by Code.org found that there are currently around 500,000 open computing jobs across…

Coding Bootcamps Are the Future of Further Education

The college admissions bribery scandal highlighted the influence of wealth and brought a new spotlight on the so-called “back door” into higher education, where wealthy parents are able to get preferential treatment for their students in exchange for making a…

Income Share Agreements (ISAs): A New Asset Class for Students

Student debt is becoming an increasingly large problem for students, parents, and policymakers. There are over $1.6 trillion of student loans outstanding in the U.S., and student loan is the highest source of household debt after mortgage debt. Students are…

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