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Stride Funding or FinWise Bank's loans are not endorsed by Rithm School. Stride Funding and FinWise Bank are not affiliated with Rithm School.

The ISL Program

Flexible financing so you can focus on learning now and paying later. ​

With an Income Share Loan (ISL) made available through Stride Funding¹, you pay back your funding as a percentage of your income for a fixed period of time—after you leave the program and are earning above the minimum income threshold.

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How It Works

Income Share Loans (ISLs) made available through Stride Funding¹ offer a flexible way to pay for your program.

Focus on Class, Not Cost

With an ISL, you don't pay until after you've landed a job making at least $40,000 per year!²

Manageable Payments

After you’ve reached the minimum income threshold, you’ll start paying 1.13%-9.5%² of your monthly earned income for 48 months.² Monthly payments stop early if your total payments ever reach 1.5x funded tuition.²

Bank on Yourself

Our support team + your career ambition = great success. Have confidence in your ability to graduate and break into a new in-demand field. We'll support you with career resources and flexible repayment.

When will you start paying?

After you complete (or leave) the program and find a job paying at least $40,000.00—and after the 1 month grace period after graduation.²

When will you stop paying?

When you've made 48 monthly payments, reached the maximum repayment amount, or reached the maximum implied APR—whichever comes first.²

Your ISL Program Terms


Monthly Payments An affordable, fixed percentage that never changes


Payment Term Allowing you to save for the future and major milestones


No payments when you make less than this. Only pay when you have meaningful earnings.


Never pay back more than 1.5x funded tuition. We want to see you succeed, not penalize your success.


No payments for 1 month after graduation. Focus on getting a great job, not making payments.

Take Our Quiz!

Take our quiz to see how well you understand the terms & how an ISL works.

Frequently Asked Questions for ISLs

¹ Loans may be issued by Stride Funding, Inc or FinWise Bank, a Utah-chartered bank, Member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

² The effective Income Share Percentage (“ISP”) on your Income Share Loan (“ISL”) is a fixed percentage of your monthly gross-income and will range between 1.13-9.5%, for a period of 48 months after the beginning of your payment term. Monthly payments are required and will vary greatly in amount because they depend on your specific ISP and your reported monthly gross-income. Monthly repayment amount is based on your designated ISP and monthly gross-income, not an Annual Percentage Rate (“APR”); the APR you actually pay will be dependent on your actual ISP and gross-income for the entire duration of the loan repayment period.

To help illustrate how much you might pay on your ISP, we are providing the following example showing the total monthly payments for loans that have the maximum ISP. For this example, we are assuming an ISP of 9.5% (highest possible ISP), amount financed of $21,000, 48-month repayment period, and 4 months until graduation plus 1 month grace period. If your salary started at $75,000 and didn’t increase over the next 48 months, your monthly payments would be $593.75 per month and would end after making total overall payments of $28,500 over 48 months, with an APR of 13.74%.

For this example, your total monthly payments would end after 48 months even though you would not have reached the Maximum Implied Annual Percentage Rate of 21%, because you have reached your required number of Maximum Monthly Payments first, assuming that you have no deferrals or other pauses to your payments. You may repay more or less than the amount you received, depending on your specific circumstances. Your loan has a maximum payment period (96 months) inclusive of any months where monthly payments are made as well as any months that are deferred months after you leave or graduate from your program.