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Income share agreements, explained
Funding & Fees · updated 2026-09-07
You pay a percentage of income for a fixed number of months, above a salary floor.
| Term | Typical range |
|---|
| Income share | 8-17% |
| Payment window | 24-48 months |
| Minimum income floor | 20,000-40,000 |
| Payment cap | 1.5-2.5x tuition |
| Deferral if unemployed | Yes, usually |
What to check
- Is there a hard payment cap, in currency not multiples?
- Does the window pause during unemployment or does it run down?
- What counts as income - bonuses, freelance, equity?
- Total cost at the salary you realistically expect, not the advertised one.
Run the total both ways. At high salaries an ISA often costs more than a loan.
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