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Finance your
Dream School
Today

Pay back only when you start a job.

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Our income share agreements (ISAs) are more flexible than traditional student loans. After you graduate, you pay back a percentage of your income for a fixed period of time only when you are employed.

How much do you need to finance your studies?

In this example, you would pay back
6.8%
of your salary during 10 years.
  • More flexible than a loan
  • You pay back only when you get a job
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Why should you choose an ISA with Edbridg

Flexible

Flexible

You only payback once you have a job. If you stop earning at any point in time, you stop paying back.

Affordable

Affordable

You will always pay back the same fixed percentage of your revenue, regardless of the variations in salary.

Secure

Secure

It’s capped: if you become extremely successful and earn very well, you will never pay back more than 3x the original amount you borrowed.

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What is an Income Share Agreement (ISA) ?

An income share agreement is a contract between an investor (Edbridg) and a student, where the student gets his/her education financed and pays no upfront tuition fees in exchange of paying back a fixed percentage of his/her future revenues for a fixed number of years.

The components of an ISA

$

Amount

The amount we give you to help pay for your tuition.

%

Income Share

The percentage of income you agree to pay back after graduation.

Payback Period

The maximum number of monthly payments you will make to fulfill the ISA obligation.

3x

Payment Cap

A payment cap ensures you don't pay more than three times what you borrowed.

Benefits of Edbridg ISA over a Student Loan

Description

Payments

Flexibility

Credit history

Requires a cosigner

Loan

A commitment to repay a fixed amount of money (principal) plus an interest after graduation

Fixed payment means you have to pay regardless of what you may earn

Limited flexibility- 6 months grace period maximum

YES- Bias against low-income households with lower credit scores

Yes most of the time

Edbridg ISA

A commitment to contribute a portion of future income for a fixed time duration

Based on a fixed percentage of your income so you never pay more than you can afford

Full flexibility - you only pay back when they you are earning.

NO- Our ISAs depend on you and your potential - not your family's financial situation

No


Description

A commitment to repay a fixed amount of money (principal) plus an interest after graduation.

Payments

Fixed payment means you have to pay regardless of what you may earn.

Flexibility

limited flexibility- 6 months grace period maximum.

Credit history

YES- Bias against low-income households with lower credit scores.

Requires a cosigner

Yes most of the time .


Description

A commitment to contribute a portion of future income for a fixed time duration.

Payments

Based on a fixed percentage of your income so you never pay more than you can afford.

Flexibility

Full flexibility - you only pay back when they you are earning.

Credit history

NO- Our ISAs depends on you and your potential - not your family's financial situation.

Requires a cosigner

No.

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