A new way to finance your Roseman University education.

Roseman is proud to introduce our Income Share Agreement program: Only pay when you succeed.

Roseman University’s new ISA program reduces the up-front, out-of-pocket cost of college, so that you can focus on what really matters: your education. Roseman is committed to your future, and with an ISA, you’ll only pay when you succeed.

What Is an Income Share Agreement (ISA)?

An ISA is a contract between you and Roseman University that provides funding for your education. In exchange, you agree to share a fixed percentage of your future gross income for a fixed period of time. Here are some of the key terms you should know before you sign your ISA:

ISA Amount
Amount funded to your Roseman account
Income Share

Percentage of your gross monthly income you will share

Maximum # of Monthly Payments
Greatest number of monthly payments you could be obligated to make
Payment Cap
Maximum amount you could be obligated to share (equal to your ISA amount)
Payment Window
Number of months before your ISA obligation automatically expires
Minimum Income Threshold

Minimum monthly gross income you must earn before monthly payments are due

Grace Period
The six months after you leave Roseman before payments start

Benefits of an ISA

  • ISA payments adjust according to your income, so you always know what percentage of your income you will pay.
  • ISAs are built to end, faster. As soon as you make the maximum monthly payments, hit
    the payment cap, or reach the close of the payment window—whichever comes first—your ISA ends.
  • Built-in protections include an automatic ISA expiration date, a payment cap that limits total payments, and deferment options that let you enroll in grad school or take a gap year without accruing interest.
  • Low income? No income? No payments. ISA payments are only due when your gross monthly income exceeds the minimum income threshold for your program.

"Roseman University has a commitment to the success and welfare of our students. Through income share agreements, we are deepening that commitment. Roseman is doing its part to educate the next generation of healthcare professionals and to include more students on the path toward a more robust, compassionate network of health services."

Dr. Renee Coffman President, Roseman Univesrity

Ending an ISA

ISAs end one of three ways: when participants reach either the maximum monthly payments, payment cap, or close of the payment window—whichever comes first. However your ISA ends, you will never pay more than the ISA amount.

Make the Maximum Monthly Payments

Your ISA will define a maximum number of monthly income-based payments. Once you make that number of payments, your ISA ends—even if you’ve paid less than the initial funding amount.

Hit the Payment Cap

Over the course of making monthly income-based payments, you may hit the payment cap (equal to your ISA amount). Hitting the payment cap will end your ISA*—even if you’ve made fewer than the maximum number of monthly payments.

Reach the Close of the Payment Window

At the close of the payment window, your ISA obligation will automatically expire, provided that you’ve made your payments as required whenever you earned above the minimum income threshold. Your contract may expire even if you’ve paid less than your initial funding amount or nothing at all.

Getting Started

Like any new finance tool, ISAs can seem complicated. In reality, they’re simple: You sign an ISA, receive education funding, and make income-based payments when you earn above the minimum income threshold or more. If you’re considering applying for an ISA, here are the first steps you can take toward career success.


Evaluate all your financing options

Visit the Student Resources page to find Roseman’s Financial Fitness Quiz, and consult with a Roseman Financial Aid advisor about whether an ISA is right for you. If it is, ask for an invitation to apply for an ISA.


Review your email invitation to apply for an ISA

You may apply online, and pending approval, sign the contract digitally. Your ISA amount will then be funded to your account on the designated disbursement date(s).


Submit income and employment documentation

After your grace period ends (six months after you leave Roseman), start making timely income-based payments every month your income exceeds the minimum income threshold or more. Continue to submit employment and income documentation once a year and any time your income changes, until your ISA ends.

Contact Your Financial Aid Advisor

Complete the form below, and a dedicated Roseman advisor will reach out to answer your questions and help you apply for an ISA.