An Income Share Agreement (ISA) does not create debt and is not a loan. Instead, an ISA is your obligation to make payments which are indexed to your income. An ISA is not an assignment of your income, rather we will use your income to determine the amount you owe for your education. Throughout the term of your ISA, your income share percentage will not change. Thus, if your income increases, your payments will increase. If your income decreases, so do your payments. The amount you pay to the school (via the servicer) may be more or less than the funding amount you receive.