Funding to pursue your Goals

BFF’s income share agreements, or ISAs, are innovative financial contracts that provide access to high-quality educational pathways without the need for traditional student loans.

If you sign up for an ISA through BFF, we provide funding to cover the cost of attendance at your institution. After you leave school, you pay a percentage of your income for a set number of months.

Why Choose an ISA?


Accessible FundING

ISAs support circumstances that loans often can’t. An ISA might be right for you if…

  • You have gaps that your financial aid package can’t cover.

  • You’ve considered a PLUS loan, but your parents don’t have great credit.

  • Loans aren’t an option for your school, program, citizenship status, or personal beliefs.


Unique Protections

BFF’s ISA programs offer several protections. Your obligation to make payments kicks in only when your income is above a certain threshold (amount varies by program). Payments are also capped annually to protect you from paying excessive amounts.


manageable Monthly Payments

Your ISA payments are based on the amount you earn after you finish school. When your income is low, your payments stay low; when your income increases, your payment amounts increase. In this sense, payments stay manageable in relation to your post-school income.


Pricing based on your future path—NoT CRedit Scores

ISAs terms are based on your potential post-school income—not on your credit score or your parents’ scores. And unlike most loans, no cosigner is required for an ISA.


Making the Right Decision

We encourage you to read more about ISAs to decide whether they’re right for you. Here are a few articles to explore:

What to Ask Yourself Before Using an ISA to Pay for College (via NerdWallet)

Income Share Agreements (Savingforcollege.com)




I looked into funding options and they all required that I have a parent sign off, and my parents don’t have the best credit. If I hadn’t had this option, I wouldn’t have been able to finish school at all.... It really is one of the best options.

—3rd-year college student using ISAs as an alternative to PLUS loans