Income Share Agreement-student-friendly — Meratas

College still provides a strong return on investment for many students. But the risk profile of that investment has gone up dramatically with the cost of college in recent years. But we are starting to see a growing number of colleges and universities stepping up to share some of the risks and rewards with their students.

Income Share Agreements (ISAs) are emerging as an excellent alternative to student loans. With this type of agreement, students pay nothing, in most cases, until after they complete their program. …

created by Meratas

For millions of Americans, higher education represents a path to financial prosperity and opportunity. But, due to rising college costs, many students find it necessary to finance higher education with student loans. Unfortunately, some borrowers find it difficult to pay back their hefty debt upon graduation.

When considering your options, it helps to get a look at the big picture and understand the full impact and scope of student loans. Here’s a snapshot of student loan debt in the United States in 2021.

Total Student Loan Debt

  • Total outstanding federal student loan debt is $1.7 …

meratas — provided image

Being such a new form of educational financing, Income Share Agreements (ISA) can seem unfamiliar, leaving many to wonder if they’re a good choice for them. Because they are so different from traditional student loans, it can also be hard to know what going through an ISA contract can look like.

That’s why we’re here, to help you understand if an Income Share Agreement is right for you. We think Income Share Agreements are a great alternative to student loans to fund your education but don’t just take it from us.

We gathered three students from three different educational programs…

image by Meratas

The rising balances of student loans are a major problem. Signing up for a traditional loan without knowing exactly how much you could be paying back or how you’ll be able to handle your monthly payments could be difficult.

One solution that has been gaining traction among online bootcamps and colleges alike is Income Share Agreements. (ISAs).

An ISA is an agreement where, in exchange for tuition, after graduation and as long as you’re earning an agreed-upon income, you pay a percentage of your income back to the college (or funder). …

Image by the author — Virtanza and Meratas

When talking about changing careers or upskilling, many people immediately turn to tech. Becoming a software developer, UX designer, or data analyst makes for a lasting and promising career. However, working in tech doesn’t mean you need to be in a more technical role. Tech companies and startups need a variety of players beyond those building the product and there’s one career that thousands of people are skilling into.

If you’re looking for a career that gives you a great income and the chance to truly succeed, look no further than sales. …


Before Covid-19, 86% of the 151 million American workers surveyed for the 2018 American Community Survey said they drove to work each day. But the pandemic put this to a screeching halt. People are struggling with overworking and separating themselves emotionally from work. We’re working at home and we’re sleeping at work, and it’s really confusing for our brains. That’s where a commute comes in.

Before the pandemic, the average commute was 38 minutes each way. Not only have employees lost that buffer, but they have also taken on more work: about 48 extra minutes per day. …

As Mike Weinberg, author of New Sales Simplified, says “sales is a verb.” In order to be successful in Sales, you have to be active, and one of the best ways to be active in the sales cycle is cold calling.

There are multiple ways to reach out to customers and build relationships but cold calling is one of the best ways to catch their attention. In his book Fanatical Prospecting, Jeb Blount supports this with evidence of a 15% to 80% contact rate on the phone (depending on industry). This is dramatically better than any cold email campaign.


Sales copy matters more than you might think.

Sales isn’t all cold calls and meetings. In order to be good at sales, you have to know how to write persuasive, engaging copy that converts prospects into customers.

The words on your page or email have a powerful impact on what potential customers do. Sometimes you’ll know what you want to say, but it’s hard to find the right words.

That’s where this guide comes in. Want to write sales copy that actually converts prospects into customers? You’ve come to the right place.

What is sales copy?

Sales copy aims to convince a reader to…

Your career is so much more than just a job. It’s simple enough to find a job that pays the bills. Building your career, unlike finding a job, is a lifetime pursuit. Building a career requires dedication, both to yourself and to the work that you do. Creating a career involves persistence as it will not always be easy to find fulfilling work while moving your way up the career ladder — and these days, many career paths do not resemble a ladder at all, but rather a long and winding road.

Lastly, building a career requires thinking smart about…


February means that valentine’s day is right around the corner, and finances are an important part of being a couple. After all, money is the leading cause of stress in relationships.

In a study by Kansas State University, researchers found that arguing about money is “by far” the top predictor of whether a couple will stay together or not. Those arguments tend to take longer to recover from and are more intense, researchers said.

Managing money as a couple can be tricky to sort out with two incomes and two financial situations merging. While you’re trying to manage money jointly…


Meratas provides a complete software solution to design and manage Income Share Agreements (ISA) programs proven to increase enrollment

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