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.

Is College Still Worth It? For Most People, Yes.

As the price of tuition increases and students take out more debt to cover that tuition, many prospective students are starting to ask the question: Is college still worth it? Student borrowers owe around $1.6 trillion in student loans, with…

The Problems with Free College

The idea of free college has garnered a lot of attention from students and parents, in large part due to the role that college is playing in the Democratic debates and the ever-increasing cost of tuition. Most major presidential hopefuls…

Shifting the Focus to Dropout Rates with ISAs

That going to college will help you get a great job in the future is a sentiment echoed by many parents, career counselors, and the general public. College gives you the ability to expand your knowledge and acquire a credential…

Income Share Agreements, Meet Financial Literacy

Interest in financial literacy education has been soaring lately. Each year, hundreds of thousands of people apply to colleges around the country. For those who are accepted, they mostly have to depend on debt to finance that education — the…

Why We Should Replace Federal Student Loans With Income Share Agreements (ISAs)

The federal student loan system on which many students rely to pay for their education has been the product of patchwork legislation. Right now, there is around $1.6 trillion worth of outstanding loans currently owed in the United States. Student…

Why Student Debt Cancelation Is Not a Solution

Plans to mitigate—and even solve—the student debt crisis have been on center stage in Democratic Party politics for some time. In late June, Senator Bernie Sanders proposed a plan that would result in all the approximately $1.6 trillion in student…

This is Not The World of Subprime Children

The student loan infrastructure in the United States is broken. There are dozens of plans available for borrowers—graduated, income-based, PAYE, RePAYE, to name a few—but there are still people who are struggling to pay their student loans. Outstanding student loan…

Introduction to Income Share Agreements

What if there was a way to pay for your education without incurring debt? Historically, debt-based financing options have been the primary method of funding for students in bootcamps, colleges, and other educational institutions. However, recently, student debt has reached…

San Diego and the Future of Workforce ISA Funds

The nature of our workforce and education is changing. Traditionally, you would graduate high school, and then attend college in pursuit of a degree in a desired subject. After earning that degree, you transition into a lucrative job in a…

Bipartisan Income Share Agreement Legislation Introduced in the Senate

A bipartisan group of U.S. Senators has introduced new legislation designed to regulate Income Share Agreements, a new form of financial aid for further education. The bill, which is being referred to as the ISA Student Protection Act, was proposed…

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