Abstract
The growth and preservation of Human Capital impacts our quality of life. Education is the dominant factor for increasing human capital. Recently there has been a wave of financing opportunities that utilize risk-sharing features. These Income Share Agreements are gaining traction as a popular form of education financing, offering students more flexibility in meeting their financial obligations than traditional student loans. In this white paper we describe the general structure of the Income Share Agreement (ISA), illustrate the advantages of ISAs compared to student loans through Expected Utility analysis, and discuss the reasons why we believe ISAs will continue to gain momentum as a preferred mechanism for funding human capital development through education.
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