{"id":24695,"date":"2020-10-23T19:51:01","date_gmt":"2020-10-24T02:51:01","guid":{"rendered":"https:\/\/careerkarma.com\/blog\/?p=24695"},"modified":"2024-05-16T03:25:24","modified_gmt":"2024-05-16T10:25:24","slug":"annie-isa-experience","status":"publish","type":"post","link":"https:\/\/careerkarma.com\/blog\/annie-isa-experience\/","title":{"rendered":"Setting the Record Straight on Income Share Agreements"},"content":{"rendered":"\n

One day in 2018, Annie Bellefleur sighed in disappointment after being turned down for a student loan. Annie, at the time, was working as a front office assistant for a healthcare company in Atlanta. It was her fourth company in an industry that she had worked in for over 10 years. After a decade of dedication to a single field, she wanted to make a career switch, and she was adamant to do so in tech. But making a career pivot takes more than sheer will. And overnight successes simply don\u2019t often happen. 
<\/p>\n\n\n\n

To pull off a successful transition, Annie knew she had to be skilled enough for the industry. She\u2019d already taken free programming courses online. But of course, knowing the basics of coding wasn\u2019t going to cut it. She had to undergo formal training. The best avenue she could think of was through a coding bootcamp.
<\/p>\n\n\n\n

But there was one problem. She knew she couldn\u2019t pay the tuition out of pocket. And with her student loan application rejected, she was out of options. So, she took a step back while keeping her eyes peeled for the next opportunity. 
<\/p>\n\n\n\n

That opportunity came two years later. In February of 2020, Annie saw a financing option offered by the coding bootcamp General Assembly. It was an option she had never heard of before. 
<\/p>\n\n\n\n

Through General Assembly\u2019s Catalyst Program<\/a>, she could use a type of loan that would defer tuition costs while letting her focus on her chosen field. In exchange, she would pay a set percentage of whatever income she earned after graduation, up to a maximum amount or number of payments.
<\/p>\n\n\n\n

\u201cIt looked strange,\u201d said Annie. Her skepticism isn\u2019t uncommon. Most people have questions when they learn about a new financial tool. So, Annie did the only thing she could think of: she did her research. <\/p>\n\n\n\n

Breaking Down the Numbers <\/h2>\n\n\n\n

In 2018, General Assembly saw over 12,000 students finish its immersive programs<\/a> in data science, software engineering, and user experience design. There was, however, one flaw. Half of its applicants, despite having passed the screening process, backed out from enrolling.\u00a0
<\/p>\n\n\n\n

As gleaned from its 2018 report titled \u201cUntapped Potential\u201d<\/a>: \u201cGA Immersives were unable to secure financing due to FICO credit score cutoffs often associated with private loans\u2026 As a result, students with limited credit history, a handful of penalties due to late payments, or other debt obligations are unable to secure financing\u2014perpetuating a cycle that keeps them underskilled and underemployed.\u201d
<\/p>\n\n\n\n

General Assembly, in other words, was losing students due to exclusionary financing models. Coincidentally, that report came out the same year Annie was rejected for a private student loan. The reason: her credit score failed to make the cutoff. In August of 2018, General Assembly rolled out the Catalyst Program. 
<\/p>\n\n\n\n

The Catalyst Program leverages a pay-for-success model known as income share agreement<\/a> loans or ISAs. Although the ISA model has been offered to students for years<\/a>, it\u2019s managed to stay on the margins of financial aid, often overshadowed by the traditional private student loan option. Now, ISAs are drawing attention from bootcamps and other learning platforms that seek to expand accessibility to prospective students.<\/p>\n\n\n\n

ISA structures<\/a> vary by institution. However, they do share one core principle. That is, to provide students the opportunity to learn now and pay their debt later. More specifically, pay when they\u2019re earning above a minimum income. 
<\/p>\n\n\n\n

To protect students, the ISA comes with safeguards in the form of a payment cap, minimum income threshold, set number of payments, and fixed payment window. This way, students are protected in both downside and upside scenarios. 
<\/p>\n\n\n\n

General Assembly\u2019s ISA loans work like this: Students pay a $250 deposit, after which they gain full access to the immersive courses. So, they go through their chosen program for three months without having to worry about any up-front tuition payments. 
<\/p>\n\n\n\n

After they graduate, they still won\u2019t have to pay for anything until they begin earning a monthly income of $3,333.34, equivalent to $40,000 annually. Only then do they start paying 10% of their income. 
<\/p>\n\n\n\n

If we do the math, a graduate who earns $40,000 annually makes a monthly payment of $333.33. Of course, that changes if he starts earning a higher income. If, for instance, his salary increases to $50,000 a year ($4,166.67\/month), that becomes a payment of $416.67 per month. 
<\/p>\n\n\n\n

Students who make less than the minimum income threshold are not obligated to make payments. This ensures that their school or program will only receive payment once the students start reaping the economic benefits of their education. 
<\/p>\n\n\n\n

Participants fulfill the General Assembly ISA obligation once they make 48 payments or pay 1.5 times the funding amount they received\u2014whichever comes first. If the payment window\u2014that is, 96 months\u2014ends before a participant has reached one of those obligations, and the participant has remained in compliance with the ISA, the contract expires. 
<\/p>\n\n\n\n

For Annie, it was this payment structure that encouraged her to opt for the ISA program. \u201cWhat put me at ease was knowing that the ISA was attached to the school. So, in a way, that put pressure on the school to make sure I succeeded,\u201d said Annie. It helped that the terms were presented to her up front. 
<\/p>\n\n\n\n

Have you ever been in a situation where you booked a bargain-price flight ticket and set a travel budget plan based on that? Then later, you found out that there were actually hidden fees so you ended up paying double what you initially had in mind. That didn\u2019t happen here. 
<\/p>\n\n\n\n

\u201cI thought \u2018There\u2019s got to be some catch…\u201d said Annie. \u201cBut, the agreement was pretty straightforward. And [General Assembly\u2019s] finance department, compared to most colleges, was surprisingly very helpful.\u201d 
<\/p>\n\n\n\n

Navigating the Course<\/h2>\n\n\n\n

Annie went on to enroll in General Assembly\u2019s Software Engineering Immersive program<\/a>, which lasted 12 weeks. During the course of it, she developed fluency in multiple frameworks and stacks, including JavaScript, Python, React, and Django.\u00a0
<\/p>\n\n\n\n

\u201cI loved it. I loved the creativity it gave me and the different challenges I got along the way. The more I solved challenges, the more I got into it. It was kind of like a high. I just kept wanting to learn and do more,\u201d she said. 
<\/p>\n\n\n\n

While she enjoyed the program, Annie was quick to point out that it wasn\u2019t all fun and games. \u201cHaving to learn so much in just three months was very challenging,\u201d she said. \u201cBut it was also very rewarding.\u201d By the end of it, Annie had created three full-stack websites. 
<\/p>\n\n\n\n

\u201cNow that I look back, I realize that there was a lot of information that I had to take in. So, knowing that I was able to create something so massive and responsive is mind-blowing. All the lessons that I learned in those three months, they all fit together,\u201d she said. \u201cIt even got me thinking, \u2018What else can I do?\u2019\u201d 
<\/p>\n\n\n\n

While uncertainties do abound when reviewing financing options, it\u2019s unfair to sell the ISA model short and even worse to misrepresent it. An ISA is anything but restrictive. In reality, while it still incurs debt, the ISA loan is a useful alternative for students who wish to attend coding bootcamps and other skill-specific schools, which are often ineligible for federal aid. Students who can’t afford to pay up front or take out higher-interest private loans can pay for their education via an ISA loan.  
<\/p>\n\n\n\n

\u201cIn retrospect, taking the ISA allowed me to focus on the course, instead of the cost. And especially during a pandemic, it was great not having to worry about paying for the course on top of other bills I had to take care of,\u201d said Annie. \u201cIf it weren\u2019t for that, I probably would\u2019ve given up early in the program.\u201d
<\/p>\n\n\n\n

Annie\u2019s payment starts in February of next year. While she admitted to wanting to keep her full paycheck, Annie doesn\u2019t begrudge General Assembly for benefiting from her success. \u201cThey gave me a long grace period. I thought I was going to have to pay as soon as I got the job and hit the income threshold.\u201d 
<\/p>\n\n\n\n

\u201cSo, I am thankful for the way they did it because it gives me a chance to be smart with my finances. Come payment time, I won\u2019t be completely stressed about it. And honestly, the percentage they take from my income is really not that big.\u201d 
<\/p>\n\n\n\n

\u201cIt\u2019s a fixed amount. It has no interest that accrues. The contract even states the cap on what I have to pay. It\u2019s a huge difference from traditional loans where you [might] spend years paying thousands of dollars, and that\u2019s in interest alone.\u201d
<\/p>\n\n\n\n

Paying It Forward<\/h2>\n\n\n\n

Two months after graduating from General Assembly, Annie secured a job as a Software Engineer at Stitch Fix<\/a>, an online personal styling service company. \u201cThe funny thing is, the company uses Ruby in its tech stack but I trained for JavaScript and Python. But because I already had the basics of programming down, it was easy for me to pick up the language and syntax.\u201d 
<\/p>\n\n\n\n

Asked if she would still be in the same place if she made different choices, she had this to say: \u201cI believe I would\u2019ve eventually gotten here. But it would\u2019ve taken me a hell of a lot longer. Every day I wake up and I still can\u2019t believe that I reached this point so quickly.\u201d
<\/p>\n\n\n\n

What\u2019s next for her? While Annie seeks to climb the career ladder and become a lead engineer, she also envisions herself doing something deeper. \u201cI want to get to that point where I\u2019m teaching in one aspect or another,\u201d she said. 
<\/p>\n\n\n\n

\u201cI want to give back to the industry and help as many people as I can. I wouldn\u2019t be here if it weren\u2019t for the people who helped me along the way. To that end, I want to be an advocate for this industry. I know I\u2019ll get to that point,\u201d said Annie. \u201cI will be here for a while.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"One day in 2018, Annie Bellefleur sighed in disappointment after being turned down for a student loan. Annie, at the time, was working as a front office assistant for a healthcare company in Atlanta. It was her fourth company in an industry that she had worked in for over 10 years. 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