BFF'S INCOME SHARE AGREEMENTS

BFF’s income share agreements, or ISAs, can help students cover the net price of college.

An ISA is a financial obligation with payments calculated based on a percentage of your monthly income. You pay until you reach the Maximum Length of the Payment Window, make the Maximum Number of Income-Determined Payments, or make payments equal to the Early Completion Amount—whichever comes first.

Opportunity ISA
Funding amounts from
$1,000 to $35,000
Monthly Payments
  • .25%–10% of a student's earned income (after college) — but only when they're earning over $40,000
See full pricing table
Protections:
  • Students will never pay more than their funding amount growing at a 7.5% annualized rate, but you could pay less.
  • Students will never make more than 120 income-determined payments.
  • Students will never pay for more than 240 months, but you could pay for less time than that.

    • 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)