Fund your education without debt

Introducing the Opportunity ISA fund from Better Future Forward and Bottom Line. An Income Sharing Agreement designed to cover your educational costs, this alternative to student loans is designed to make your success the priority.

Freedom from debt

The Opportunity ISA Fund is not debt, which means no more snowballing interest. Now you can focus on what matters most: learning, growing, and pursuing the career path that is right for you, regardless of the paycheck.

Protection from tough times

Your payments are always based on your income, so if your income shrinks, so do your payments. And because ISAs are interest-free, you never need to worry about a growing balance.

A limit on what you pay

For high-earning graduates, you’ll never pay more than the pre-determined amount, so you’re protected regardless of how your future turns out.

Where you're going, not where you're from

Your eligibility to join is based on a straightforward set of criteria. We do not care about your credit score or your zipcode. Education is an investment in a better future, and we want to help you get there.

Pay it forward, not back

The payments you make after you leave school go back into the Fund – helping to support the next generation of students.


The Opportunity ISA Fund was created specifically for Bottom Line students, to help protect you from the risks associated with student loans. When you participate, we provide funding toward your tuition, fees, and/or living expenses. In return, you agree to pay it forward, providing BFF with a percentage of your income for a set period of time, so together we can fund the next generation of students.