Accessible FundING

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

  • You have significant 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, or personal beliefs.


Unique Protections

BFF’s ISA programs offer several protections, including a minimum income threshold. This means your obligation to make payments kicks in only when your post-college income is above a certain amount.


Monthly Payments Mapped to your Income Level

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 are intended to stay manageable in relation to your post-school income.


Pricing based on your future path—NoT CRedit Scores

ISA contract 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)