Fair & Transparent ISA Terms
Understand every detail of our Income Share Agreement. Designed with student protection in mind, our ISA aligns our success with your career growth through transparent, fair terms.
What Makes Our ISA Different?
Student-first approach with comprehensive protections and transparent terms
Student Protection
Multiple safeguards including payment caps, unemployment protection, and hardship provisions.
- Payment cap limits total amount
- Automatic payment pause during unemployment
- Hardship deferment options
- No penalty for early completion
Fair & Transparent
Clear terms with no hidden clauses, designed to be fair for both students and the institution.
- Fixed percentage of income
- Clear payment duration
- No variable interest rates
- Transparent calculation method
Aligned Incentives
Our success depends on your career success, ensuring we provide the best possible education and support.
- We only succeed when you succeed
- Continuous career support
- Quality education guarantee
- Long-term partnership approach
Flexible Terms
Adaptable to various life situations with provisions for career changes, further education, and more.
- Career change accommodation
- Further education provisions
- Geographic flexibility
- Life event considerations
Detailed ISA Terms
Complete breakdown of terms and payment examples for each course
GTM Engineering Training
Payment Examples
Your Protections
- No payment until you earn above threshold
- Payments pause during unemployment
- Payment cap protects from overpaying
- Grace period after course completion
AI Workflow Automation
Payment Examples
Your Protections
- No payment until you earn above threshold
- Payments pause during unemployment
- Payment cap protects from overpaying
- Grace period after course completion
ISA Eligibility Criteria
Requirements to qualify for our Income Share Agreement program
Academic Requirements
- Minimum 12th grade or equivalent
- Basic computer literacy
- English proficiency (spoken and written)
- Completion of aptitude assessment
Professional Commitment
- Commitment to complete the full course
- Willingness to relocate for job opportunities
- Active participation in placement activities
- Professional attitude and communication skills
Financial Understanding
- Understanding of ISA terms and conditions
- Acknowledgment of payment obligations
- Consent to income verification processes
- Agreement to payment collection methods
Legal Requirements
- Age 18 or above
- Valid government-issued ID
- Legal capacity to enter contracts
- Compliance with local employment laws
Payment Scenarios
Understanding how ISA works in different career situations
Successful Placement
You complete the course and get placed within 6 months
Timeline
- 1Month 1-6: Complete course training
- 2Month 7-12: Job search and placement support
- 3Month 13: Start new job, begin ISA payments
- 4Month 13-36: Pay percentage of salary
- 5Month 37+: ISA completed, no more payments
Outcome
Pay agreed percentage until cap is reached or duration ends
Delayed Placement
Placement takes longer than expected
Timeline
- 1Month 1-6: Complete course training
- 2Month 7-18: Extended job search with support
- 3Month 19: Secure placement, begin ISA payments
- 4Month 19-42: Pay percentage of salary
- 5Month 43+: ISA completed
Outcome
No payments until placement, then normal ISA terms apply
No Placement
Unable to secure placement within 12 months
Timeline
- 1Month 1-6: Complete course training
- 2Month 7-18: Intensive placement support
- 3Month 19+: ISA becomes void
- 4Ongoing: Lifetime placement support continues
Outcome
Zero payment obligation, continued career support
Job Loss During ISA
Lose job while making ISA payments
Timeline
- 1Immediate: Payments automatically pause
- 2Month 1-3: Grace period for job search
- 3Month 4+: Re-placement support activated
- 4New job: Payments resume with remaining balance
- 5Completion: ISA ends when cap/duration reached
Outcome
Payments pause during unemployment, resume with new job
Legal Protections & Safeguards
Comprehensive protections built into every ISA to safeguard student interests
Payment Cap Protection
Total payments cannot exceed the predetermined maximum amount, regardless of income growth.
Unemployment Protection
Payments automatically pause during periods of unemployment or income below threshold.
Hardship Provisions
Temporary payment reductions or deferrals available during documented financial hardship.
Early Completion Option
Option to pay remaining balance early with potential discounts, ending ISA obligations.
Privacy Protection
Income verification through secure, privacy-compliant methods with data protection guarantees.
Dispute Resolution
Clear dispute resolution process with mediation options before any legal proceedings.
Frequently Asked Questions
Detailed answers to common questions about our Income Share Agreement
What exactly is an Income Share Agreement (ISA)?
An ISA is a contract where you receive education now and pay a fixed percentage of your future income for a set period, but only after you secure employment above a minimum salary threshold. It aligns our success with your career success.
How is my income calculated for ISA payments?
We calculate payments based on your gross monthly income from your primary employment. This includes salary, bonuses, and commissions but excludes investment income, gifts, or other non-employment income sources.
What happens if I change jobs during the ISA period?
You must notify us of job changes within 30 days. Payments continue based on your new income level. If there's a gap between jobs, payments pause automatically and resume when you start earning again.
Can I pay off my ISA early?
Yes, you can pay the remaining balance early. We often offer discounts for early payoff, typically 10-20% off the remaining amount. This immediately ends your ISA obligations.
What if I decide to pursue further education?
ISA payments pause during full-time education (minimum 20 hours/week). You must provide enrollment verification. Payments resume when you return to work or complete your studies.
How do you verify my income?
We use secure, privacy-compliant methods including pay stubs, tax returns, or direct employer verification. We may also use third-party income verification services with your consent.
What happens if I move to a different country?
ISA terms generally remain valid internationally, but payment methods may need adjustment. We work with students to establish appropriate payment mechanisms based on their new location and local laws.
Are there any tax implications for ISA payments?
ISA payments are typically not tax-deductible as they're not traditional education loans. However, tax implications can vary by jurisdiction. We recommend consulting with a tax professional for your specific situation.
What if I become self-employed or start a business?
Self-employment income counts toward ISA calculations. You'll need to provide business income documentation. We understand entrepreneurial income can be variable and work with you on appropriate payment schedules.
Can the ISA terms change after I sign?
No, the core terms (percentage, duration, cap) cannot be changed unilaterally. Any modifications require mutual agreement and written consent. This protects you from arbitrary changes to your payment obligations.
ISA Documentation
Access sample agreements and detailed terms before you apply
Sample ISA Agreement
Review a sample Income Share Agreement to understand all terms and conditions.
Terms Summary
Quick reference guide with key terms, protections, and payment examples.
Payment Calculator
Calculate your potential ISA payments based on different salary scenarios.