{"id":31726,"date":"2021-05-31T11:23:03","date_gmt":"2021-05-31T18:23:03","guid":{"rendered":"https:\/\/careerkarma.com\/blog\/?p=31726"},"modified":"2021-10-16T01:25:05","modified_gmt":"2021-10-16T08:25:05","slug":"vemo-when-is-an-isa-right","status":"publish","type":"post","link":"https:\/\/careerkarma.com\/blog\/vemo-when-is-an-isa-right\/","title":{"rendered":"Income Share Agreement (ISA): When Is It Right for You?"},"content":{"rendered":"\n<p>For six years, Caitlin Golden worked as a mobile expert for one of the largest wireless carriers in the United States. Then one day, she decided to change networks.<\/p>\n\n\n\n<p>\u201cIt was toxic,\u201d Caitlin said. She knew it was a risk to walk away from her job, but she also knew she had to make a change. Caitlin chose to pursue a career in full stack software engineering, which she saw as a gateway to professional growth and a good work-life balance.<\/p>\n\n\n\n<p>To make the switch, she had to learn new skills. To learn new skills, she had to pay for training\u2014in Caitlin\u2019s case, from coding bootcamp Kenzie Academy. This created a dilemma. Now out of a job, Caitlin couldn\u2019t afford to pay out of pocket. And she did not want to take out a traditional student loan.&nbsp;<\/p>\n\n\n\n<p>\u201cThat\u2019s why I never went to college,\u201d said Caitlin. \u201cIt\u2019s because I\u2019ve always gone the opposite direction of student loans.\u201d<\/p>\n\n\n\n<p>Fortunately, Kenzie Academy offered another financing option that appealed to Caitlin more: the income share agreement (ISA). While the ISA is still a loan, the terms of Caitlin\u2019s ISA aligned more with what she needed at the time.&nbsp;<\/p>\n\n\n\n<p>That said, Caitlin is quick to note that every ISA isn&#8217;t for everyone. So, how do you evaluate the terms of an ISA and decide when one&#8217;s right for you?&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-an-income-share-agreement\">What Is an Income Share Agreement?&nbsp;<\/h2>\n\n\n\n<p>To determine the right audience for an income share agreement, it\u2019s important to know what the financing option is all about.&nbsp;<\/p>\n\n\n\n<p>Put simply, an income share agreement is a type of loan that commits a school to providing educational services without up-front payment. In exchange, the student agrees to pay their debt via a fixed percentage of future earnings for a fixed period of time.&nbsp;<\/p>\n\n\n\n<p>Vocational and technical schools, such as coding bootcamps, have adopted the model most readily. These education providers cater to learners who haven\u2019t found success with traditional learning models or traditional credit marketplaces.&nbsp;<\/p>\n\n\n\n<p>With an ISA loan, you can get quick skills training to a tech career without assuming traditional student loans, all while knowing your payments will scale with your income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-five-key-features-of-income-share-agreements\">The Five Key Features of Income Share Agreements<\/h3>\n\n\n\n<p>Before we dive deep into the key features of income share agreements, note that Kenzie Academy no longer offers the ISA option to its students. This makes Caitlin one of the last Kenzie students to benefit from the financing option.&nbsp;<\/p>\n\n\n\n<p>That said, ISAs\u2014no matter the school or provider\u2014are typically built out of similar features.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-1-salary-floor\">1. Salary Floor<\/h4>\n\n\n\n<p>The premise of the ISA is that the school cannot take a cut unless and until you have secured a job that pays more than a specified income threshold. In Caitlin\u2019s case, her ISA payments will kick in once she lands a job that pays a gross income of at least $3,333.33 per month (or $40,000 per year).&nbsp;<\/p>\n\n\n\n<p>Payments adjust in real time, so that you\u2019ll only pay your obligation when you\u2019re in the financial position to do so. Consider the following scenarios:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>When you land a job that pays above the monthly threshold, your ISA payments start.&nbsp;<\/li><li>If your monthly earnings drop below the threshold at any time within the payment window, your ISA payments are paused. They will only resume if and when your income hits the threshold again.<\/li><li>In the unlikely event that you earn less than the minimum income threshold or fail to get a job and your earnings remain static throughout the duration of your payment window, your ISA obligation will be fulfilled and you won\u2019t have paid anything.&nbsp;<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-2-income-share-percentage\">2. Income Share Percentage<\/h4>\n\n\n\n<p>Once you hit the minimum income threshold, you must pay a fixed percentage of your earnings to the school. For Caitlin, that means paying 13 percent of her future gross monthly income to the school.<\/p>\n\n\n\n<p>\u201cThat\u2019s a little nerve-wracking for me because it\u2019s like you\u2019re getting taxed two times,\u201d she said, \u201cBut when I weigh that against how much I will be making in the field, I considered that pennies&#8230;The end goal has always been larger than what it\u2019s going to take to get there.\u201d<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-3-payment-term\">3. Payment Term<\/h4>\n\n\n\n<p>Unlike traditional student loans, ISA loans typically cannot snowball into decades of financial obligation. <a href=\"https:\/\/careerkarma.com\/blog\/income-share-agreement-market-report-2019\/\">Career Karma\u2019s Income Share Agreement Report<\/a> reveals that coding bootcamps generally limit ISA payments from nine to 36 monthly payments, although some may last longer.<br><br>Kenzie Academy\u2019s full ISA loan is considered complete once you\u2019ve paid 48 monthly payments or hit the payment cap in an eight-year payment window, a far cry from the average student loan repayment length of <a href=\"https:\/\/www.forbes.com\/sites\/zackfriedman\/2019\/11\/04\/student-loan-repayment-how\/?sh=3b27940533d8\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">18.5 years<\/a>.&nbsp;<\/p>\n\n\n\n<p>To paint a clearer picture, once Caitlin has paid 48 monthly payments that are worth 13 percent of her gross monthly income to the school, her ISA obligation ends.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-4-payment-ceiling\">4. Payment Ceiling<\/h4>\n\n\n\n<p>To ensure that the total payback remains reasonable, ISAs typically come with a payment ceiling, often called a \u201cpayment cap.\u201d For some, this might be 1.2 to two times the amount fronted by the school. Your ISA obligation ends if you satisfy the conditions listed above or you hit the payment ceiling.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-5-job-placement-services\">5. Job Placement Services<\/h4>\n\n\n\n<p>Because schools that offer ISAs typically have more financial stake in ensuring their students succeed, they often provide job placement services. These services are designed to optimize students\u2019 job search experience, thereby increasing their chances of landing a well-paying job.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-an-isa-caitlin-golden-s-story\">Why an ISA: Caitlin Golden\u2019s Story<\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"alignleft size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"305\" src=\"https:\/\/careerkarma.com\/blog\/wp-content\/uploads\/2021\/05\/small-IMG_3630.png\" alt=\"Caitlin Golden\" class=\"wp-image-31728\"\/><figcaption><strong>Caitlin Golden<\/strong><\/figcaption><\/figure><\/div>\n\n\n\n<p class=\"has-text-align-left\">When Caitlin walked away from her job, she knew she had to get herself back in the game immediately and recoup her losses. \u201cOne of the very first coding schools I came across was Kenzie Academy,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>\u201cI did a lot of research, and I found out that it had a partnership with a university. That was very appealing to me because\u2014I\u2019m not gonna lie\u2014I was really skeptical about a bootcamp,\u201d she said. \u201cAnother one of my biggest concerns was that the Full Stack Software Engineering Program cost $20,000, and that is huge,\u201d admitted Caitlin.<\/p>\n\n\n\n<p>\u201cThat\u2019s why I really appreciated the flexible payment options Kenzie offered and was particularly drawn to the ISA. With the ISA, the school was willing to take a risk and educate me essentially for free for one year before it ever saw a penny or a return on its investment. That was the turning point for me.\u201d<\/p>\n\n\n\n<p>\u201cI thought that if the school can educate me without pay for now and only require payment once I get a job that makes over a certain threshold, that sounds like the school and I are both taking an equal risk,\u201d said Caitlin. \u201cIt just made me more comfortable to set aside that time to better myself.\u201d<\/p>\n\n\n\n<p>Caitlin\u2019s line of thought echoed the vision of income share agreements, which is to align incentives between the school and the student. With the school\u2019s profit tied to the student\u2019s success, both parties essentially work toward the same goal: to train the student sufficiently so they land a well-paying job in the industry.&nbsp;<\/p>\n\n\n\n<p>At the moment, Caitlin is in her last quarter of the program and is scheduled to finish the program in late July. \u201cI actually ended up repeating a quarter because I didn\u2019t manage my time well. I thought I could work full time, but it turned out to be really taxing that I just fell behind in that quarter,\u201d shared Caitlin, grateful that the school allowed her to retake the quarter.&nbsp;<\/p>\n\n\n\n<p>\u201cI realized that if you demonstrate your passion early on, the school will fight for you. I think that\u2019s the reason why the school handled me the way they did. They knew that I had a certain level of potential and that I could learn from other people while pulling others up.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-is-an-income-share-agreement-right-for-you\">When Is an Income Share Agreement Right For You?<\/h2>\n\n\n\n<p>Despite the appeal of ISAs, the truth is that every ISA isn\u2019t right for everyone. Some of the most important considerations lie in the unique program terms\u2014such as the income share, payment cap, minimum income threshold, and maximum number of monthly payments\u2014as well as the alternative financing options you have.&nbsp;<\/p>\n\n\n\n<p>Beyond those considerations, for Caitlin, the secret lies in the three Cs: your current circumstance, commitment level, and career clarity.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-circumstance\">1. Circumstance<\/h3>\n\n\n\n<p>\u201cTaking an ISA is a personal decision. You should weigh it with your values and circumstances. I am fortunate enough to have a spouse who supports my decision 100 percent. He works full time while I finish my training. So, I think that\u2019s a really important point to consider,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>An ISA might also be the right fit for learners who cannot afford to pay tuition up front and have less attractive financing alternatives. With an ISA, you get the chance to learn without having to pay up front in exchange for making future income-based payments.<\/p>\n\n\n\n<p>\u201cI think it\u2019s so important to note that if you don\u2019t have the lump sum up front and there\u2019s not a feasible and practical way for you to pay monthly, the ISA takes all that worry off the table,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>\u201cYou have the time to put that extra effort into training and landing a job and making sure that once the ISA payments kick in, it\u2019s not going to choke you out.\u201d&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-commitment\">2. Commitment<\/h3>\n\n\n\n<p>For an ISA to be worth it, both the student and the school should work equally hard to make the former job-ready. \u201cIf you commit to an ISA, you must be willing to push yourself incredibly hard,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>\u201cA bootcamp is named that for a reason. It is tough. So, if you can internalize that, push yourself, and commit to the course, then you know that you\u2019ll [likely] stand to make a certain range in the future.\u201d&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-career-clarity\">3. Career Clarity<\/h3>\n\n\n\n<p>At the end of the day, an ISA is a loan, and a financial commitment that should not be taken lightly. \u201cIf you\u2019re not certain with your path, don\u2019t commit to an ISA,\u201d said Caitlin. \u201cYou\u2019re basically locking yourself into payments that you\u2019re not even sure you\u2019re willing to take on.\u201d<\/p>\n\n\n\n<p>\u201dWeighing all three factors, Caitlin expressed confidence in her choice of taking the ISA route. \u201cWhen I also consider how much support I receive from the school\u2014which is basically round the clock\u2014and the confidence that I now have in my skill set, I think getting into Kenzie and taking an ISA are worth it.\u201d<\/p>\n\n\n\n<p>Is she worried about the ISA payments?&nbsp;<\/p>\n\n\n\n<p>\u201cNot at all,\u201d said Caitlin.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u201cI\u2019ve solidified a network such that I know I\u2019ll be okay. I knew that I had to put in the work before the finish line comes so that I\u2019m not caught off guard. I needed to set the stage for post-curriculum. That way, I\u2019m not shooting myself in the foot, and I have an idea of where I\u2019ll land in terms of a job,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>\u201cI can show up and execute. I\u2019m confident.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-strong-contender\">A Strong Contender<\/h2>\n\n\n\n<p>So far, Caitlin has earned her Front End Software Engineering Certification and is only weeks away from earning her Backend Software Engineering Certification. After completing her training, Caitlin will be starting her job search with the help of Kenzie Academy\u2019s Career Placement Team.<\/p>\n\n\n\n<p>\u201cI\u2019m kind of nervous about it,\u201d admitted Caitlin, \u201cbecause it\u2019ll require putting yourself out there, which is always anxiety-inducing. But this is all welcome. I know that this anxiety builds up right before you break into the next level in your journey or your life, in general,\u201d said Caitlin.&nbsp;<\/p>\n\n\n\n<p>\u201cRight now, I\u2019m at an exciting part of my life.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"For six years, Caitlin Golden worked as a mobile expert for one of the largest wireless carriers in the United States. Then one day, she decided to change networks. \u201cIt was toxic,\u201d Caitlin said. She knew it was a risk to walk away from her job, but she also knew she had to make a&hellip;","protected":false},"author":93,"featured_media":31727,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28859],"tags":[],"class_list":{"0":"post-31726","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":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Income Share Agreement (ISA): When Is It Right for You?<\/title>\n<meta name=\"description\" content=\"Income Share Agreements are revolutionizing access to education, but every single one is different. 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