Bootcamp Financing

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…

Here’s An Idea: Make it Easier to Repay Student Loans

There are approximately 19.9 million people expected to attend college in the fall of 2019, and a large proportion of those people will take out loans to finance their education. Indeed, about 69 percent of students from the Class of…

Building Strong Safeguards for Income Share Agreements

The further education financing system in the U.S. is broken. There are currently $1.6 trillion of student loans outstanding, owed by over 44 million borrowers. The average borrower in the Class of 2018, according to a recent study by Student…

Could ISAs Pave the Way to Accreditation Reform?

Consumers often look for external validation that what they are purchasing is of good quality. Goods such as cars, food, among others, are often given external certification to attest to the validity of the product. The accrediting body which grants…

Coding Bootcamp Loans

Bootcamps have emerged over the past decade or so to fill a desperate need in the market: providing a vehicle for quickly transitioning into a new, high-quality field. At this they have been an unambiguous success.  But their popularity means…

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…

We Should Replace Federal Student Loans With Income Share Agreements

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…

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