Regulatory Framework for New Education Financing Tools

Policy or Initiative Description

Governments should develop a regulatory framework to ensure tha new financing tools, such as income sharing agreements (ISAs), do not further predatory student debt collection practices. Policies can reduce risks associated with emerging financing models by limiting stacked ISAs, shifting risk from students to funders, and banning discriminatory and predatory practices.


The San Diego Workforce Partnership, the county’s workforce development board, established an ISA program with the University of California San Diego. Requirements for repayment are successful completion of a certificate and a job that pays atl east $40,000 per year, after which students contribute no more than 8% of their income per year.




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