Frequently Asked Questions

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.

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)

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.

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.

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.

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

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.

You will be invited to apply via email. When you receive your invitation, you can visit roseman.vemo.com 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.

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

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.