These Frequently Asked Questions provide information and operational guidance on Roseman’s ISA program.

What is an ISA?

An ISA is a contractual agreement in which a student receives education funding. In exchange, the student agrees to share a fixed percentage of future income for a fixed period of time.

How does an ISA end?

An ISA ends as soon as a student reaches one of the following:

  Maximum number of payments

  Payment cap*

  Close of the payment window (contract expires)

How do ISA payments work?

Monthly payments are calculated by applying your income share to your gross monthly earned income. You will receive a monthly bill for this amount, and you can make your payments online, over the phone, or via mail.

What happens if my income falls below the minimum income threshold?

If you enroll in graduate school, lose your job, or earn below the minimum income threshold defined in your contract for any other reason, your payments will pause until you earn above that defined amount.

Is there a way to satisfy my ISA early?

Yes. There is no financial benefit to prepaying your ISA, but you may do so any time by paying the payment cap, less any payments you’ve already made, plus any outstanding fees and charges.

Do I still have to pay if I don’t finish school?

Yes. You will still share your income according to the terms of the ISA.

Am I required to pay the amount I received as a tuition credit?

You are required to pay the agreed-upon percentage of your income for the prescribed term of the contract. You may pay less than your initial funding amount, but as long as you remain in compliance with the terms of your ISA, you will never pay more.

What is the process to apply and how long does it take?

You will be invited to apply via email. When you receive your invitation, you can visit to complete your application. The application will only take a few minutes to complete, and your account will be up and running within one week.

Will students be required to pursue a specific career?

Absolutely not. There are no requirements stipulating the nature or type of employment that students choose after graduation.

Will I incur additional fees or charges in the natural course of my ISA payment?

If you remain in compliance with your ISA, submitting proper income and employment documentation as well as timely monthly payments, you will not incur additional fees or charges.

Contact Your Financial Aid Advisor

Complete the form below and a dedicated FA advisor will contact you to answer questions and help you take the first step in applying for an ISA!