An Income Share Agreement (ISA) is a financial arrangement where a student agrees to pay a percentage of their future income for a set period in exchange for funding their education. This model allows students to access education without upfront tuition costs, making it easier for those who may not have the means to pay for college. ISAs are often used by educational institutions and boot camps to help students afford programs in fields like technology and healthcare. Unlike traditional loans, ISAs typically have no fixed monthly payments, and the amount paid back depends on the graduate's income level, providing a safety net for lower earners.