{"id":23903,"date":"2020-10-09T03:36:32","date_gmt":"2020-10-09T10:36:32","guid":{"rendered":"https:\/\/careerkarma.com\/blog\/?p=23903"},"modified":"2021-10-16T07:04:16","modified_gmt":"2021-10-16T14:04:16","slug":"isa-hamilton-young","status":"publish","type":"post","link":"https:\/\/careerkarma.com\/blog\/isa-hamilton-young\/","title":{"rendered":"Code Now, Pay Later: How an ISA Helped Launch Hamilton Young\u2019s Tech Career"},"content":{"rendered":"\n

As 2018 came to a close, Hamilton Young decided that he wanted to learn how to code. Prior to this, he was working as a personal fitness trainer\u2014something that he\u2019d been doing for nearly two years. Hamilton enjoyed the job, but he still felt that something was missing in his career. As he put it: \u201cI didn\u2019t hate it. It just wasn\u2019t mentally challenging for me. I wanted more.\u201d 
<\/p>\n\n\n\n

So, he quit his job and signed up with a coding bootcamp. He planned to learn the fundamentals of programming in a short span of time. Halfway through the program, however, he dropped out. Hamilton wasn\u2019t new to this. Years before, he had a similar experience while studying at a community college. Only this time, the stakes were higher. \u201cI left my job to learn how to code. And although I wasn\u2019t struggling, I didn\u2019t have a ton of money,\u201d he said. He had to find a way to make it work.
<\/p>\n\n\n\n

Then came Kenzie Academy, an Indianapolis-based school that offers on-campus and remote training in software and UX engineering. For Hamilton, two things stood out immediately. One, the school fostered a different learning structure that set it apart from bootcamps and traditional colleges. \u201cIt didn\u2019t feel like a school but a thriving startup community,\u201d he said. 
<\/p>\n\n\n\n

But, as most students can relate to, Hamilton was wary about how much it was going to cost. Securing a source of financing was imperative to get him fully on board. This was where the second feature came in. 
<\/p>\n\n\n\n

Kenzie Academy\u2019s curriculum is built around a \u201cCode now, Pay later\u201d<\/a> policy. That is, students do not pay tuition up front, save for a $100 commitment fee. After that, students gain full access to the training program. In exchange, they agree to pay their debt via a fixed portion of their future paychecks up to a maximum amount or number of payments. 
<\/p>\n\n\n\n

As a protection, they only make payments when their monthly earnings hit a specified minimum income threshold. Their obligation expires after a fixed number of months. This applies even if they paid less than the funding amount they received. This arrangement falls under what is otherwise known as an income share agreement (ISA)<\/a> loan. 
<\/p>\n\n\n\n

The ISA model<\/a> is not a novelty. In fact, it\u2019s been gaining traction over the years, especially among coding bootcamps and trade schools. To give a clearer picture of how it works, let\u2019s take Kenzie Academy as an example. 
<\/p>\n\n\n\n

For this school, graduates earning at least $3,333.33 per month (around $40,000 per year) are subject to pay 13% of their monthly income. The payment window is open for 48 months, or until they hit the payment cap. Below the minimum income threshold, graduates pay nothing. 
<\/p>\n\n\n\n

So, suppose a student, Aaron, signs up for the school\u2019s Software Engineering program and agrees to pay his tuition with an ISA loan. If after graduation Aaron lands a job with a starting salary of $45,000 per year, the ISA will take effect. 
<\/p>\n\n\n\n

Using Kenzie Academy\u2019s terms, Aaron will be obligated to pay $5,850 annually, or $487.50 a month. Regular payments will be made within four years, or until he hits the cap. Payments adjust in real time. 
<\/p>\n\n\n\n

That is, while the percentage of income Aaron will pay remains constant, the amount he\u2019ll pay will increase or decrease relative to his income. If at any moment Aaron loses his job and lands a new one that pays less than $40,000, his ISA obligation will be deferred until he once again hits the threshold or the payment window closes.  
<\/p>\n\n\n\n

That safety net, for Hamilton, was what sealed the deal. <\/p>\n\n\n\n

Off the Beaten Track<\/h2>\n\n\n\n

Since it took off, the ISA loan model has been heralded as an alternative path to traditional student loans<\/a>. Student loans have become ubiquitous in the United States. They have been the go-to option for students who are unable to support their education through savings or salary alone. So ubiquitous they are, in fact, that around 45 million Americans are now sitting<\/a> on nearly $1.6 trillion of student debt. 
<\/p>\n\n\n\n

An impact survey<\/a> conducted last year revealed that six in 10 of the 1,000 borrower respondents, equivalent to 61%, only managed to save at most 10% of their monthly income due to their loan obligations. Twenty percent of the respondents had nothing to save at all.  
<\/p>\n\n\n\n

It doesn\u2019t stop there. 
<\/p>\n\n\n\n

Earlier this year, the New York Times<\/em> published a story titled<\/a> \u201cRetired, or Hoping to Be, and Saddled with Student Loans.\u201d The article highlighted how American senior citizens actually make up the fastest-growing group of student loan borrowers. \u201cI\u2019m convinced I\u2019m going to die before I resolve this,\u201d told 55-year-old Kimberly Weihl. 
<\/p>\n\n\n\n

Beyond the numbers and the headlines, the student debt crisis, for Hamilton, hit closer to home. Although he never took out a student loan, almost everyone he knows had. \u201cI was fortunate enough not to be saddled with student loans.\u201d 
<\/p>\n\n\n\n

\u201cI paid off my college tuition upfront through the help of my parents and some of the money that I was making from my work,\u201d he said. His brother wasn\u2019t so lucky. At the age of 34, his brother is just coming to the end of the student loans he took out years ago. 
<\/p>\n\n\n\n

\u201cMy friends have student loans and they have to pay that back whether they have a job or not,\u201d Hamilton added. \u201cSome of them chose to live in less expensive parts of the city just because they have these loans hanging over their heads.\u201d  
<\/p>\n\n\n\n

The ISA loan route allowed Hamilton to break away from that cycle. While ISA loans still incur debt, that debt is designed to be more manageable, and have a built-in end date. More importantly, he was able to concentrate on his training with the burden of student loans off his back. He spent the first six months of the program learning about user experience (UX) and user interface (UI) design, both of which are crucial elements in the field of web development. 
<\/p>\n\n\n\n

He then spent the second half of the year training for front-end development. Exactly a year after signing up for the program, Hamilton broke into the tech industry.<\/p>\n\n\n\n

Where\u2019s the Fine Print?<\/h2>\n\n\n\n

Hamilton completed Kenzie Academy\u2019s UX Engineering program at the beginning of this year. Four days later, he secured an interview with Archon Tech Strategies, a company that develops and installs software and applications for various industries. He launched his career as a UX\/UI Designer during the last week of January, only two weeks after getting certified. 
<\/p>\n\n\n\n

\u201cRight now, we have in-house security software that we\u2019ll soon be sending out to clients. And I designed most of its features,\u201d said Hamilton. His situation paints a stark contrast from someone who, two years ago, did not have a lot of financial stability to show for.  
<\/p>\n\n\n\n

\u201cI\u2019m a skeptical person by nature. I had doubts before I took an ISA. Even before I received the call from my current employer, the thought of getting a job so quickly after a year of training\u2014which I had not even paid for yet\u2014seemed too good to be true,\u201d he said. \u201cI thought to myself, \u2018There\u2019s got to be a fine print there somewhere.\u2019\u201d 
<\/p>\n\n\n\n

And was there? He doesn\u2019t seem to think so. 
<\/p>\n\n\n\n

Eight months into his job and Hamilton has not encountered any unwelcome surprises along the way. \u201cI\u2019ve made my payment every month and it\u2019s at the exact rate that they said I\u2019d be paying based on my income. Of course, I would love to see that moment when all the money I\u2019ve worked for stays in my bank account. But right now, I can say that committing to the training was absolutely worth it.\u201d
<\/p>\n\n\n\n

Hamilton proudly looked around the new apartment he had recently moved into. \u201cI know that the only reason I got here was that I got this job. And I was able to do so because I had the opportunity to go to a school that taught me the skills and knowledge that I would need to grow. 
<\/p>\n\n\n\n

\u201cFor me, taking the ISA route<\/a> was freeing. Unlike my friends who are burdened with loans, I don\u2019t think the amount I\u2019m paying is daunting,\u201d he said. 
<\/p>\n\n\n\n

\u201cI\u2019m not eating ramen every day.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"As 2018 came to a close, Hamilton Young decided that he wanted to learn how to code. Prior to this, he was working as a personal fitness trainer\u2014something that he\u2019d been doing for nearly two years. Hamilton enjoyed the job, but he still felt that something was missing in his career. As he put it:…","protected":false},"author":93,"featured_media":23904,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28859],"tags":[],"class_list":{"0":"post-23903","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-partner-spotlight"},"acf":{"post_sub_title":"","sprint_id":"","query_class":"Partner Spotlight","school_sft":"","parent_sft":"","school_privacy_policy":"","has_review":null,"is_sponser_post":["yes"],"is_guest_post":""},"yoast_head":"\nCode Now, Pay Later: ISA Helped Launch Tech Career | Career Karma<\/title>\n<meta name=\"description\" content=\"From a college dropout to a successful UX\/UI Designer, see how Hamilton Young turned his life around with the help of an ISA.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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