WHY CHOOSE AN ISA?

 
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Accessible FundING

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.

  • You're hesitant to take private loans that require fixed payments.

 
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Unique Protections

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

 
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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.

 
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based on your future path—NoT CRedit Scores

Eligibility does not depend on your credit score or that of your parents. And 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:

Income Share Agreements (Savingforcollege.com)

 

*We may obtain your credit report to check for certain adverse credit events, but will not use your credit score as part of our underwriting process. For more information about our eligibility criteria, please see the Application and Solicitation Disclosure.