Why ISAs?

Now more than ever, students need additional funding options to de-risk the cost of education. Students are increasingly weary of their debt burden, and they lack certainty about the job market that they will graduate into.

Our Income Share Agreements offer an innovative alternative to student loans that minimizes risk and goes the extra mile to ensure your success.

Supporting students at*


per $10,000

As low as 2.0% per $10,000 funding

A small, affordable, fixed percentage that never changes


year duration

Compared to 10-25 year traditional student loan plans

So you can move on with your life and save for the future


minimum income threshold

No payments when you make less than this

We put students first—only pay when you have meaningful earnings


payment cap

Never pay back more than 2x the original Funding Amount

We want to see you succeed, not penalize your success


month grace period

No payments until 3 months after graduation

No payments until you're graduated and employed

Stride ISAs are more affordable when it counts...

No payments when you make below $40,000/year, ever.

*Stride Funding ISAs are offered independently of the above universities and without preference or endorsement

...and include many additional benefits over loans.

Robust career support

From networking and workshops to exclusive job/internship postings, we offer a host of wrap-around services to ensure our students' best outcomes. Our ISAs are uniquely designed to support career paths in healthcare, engineering, computer science, business, and more, and unlike traditional student loan providers, we provide individualized attention to each student to ensure they get both an affordable education and the soft skills necessary to navigate their future.

Increased security

The peace of mind of never having to pay more than you can afford is embedded in an ISAs DNA—we go a step further by instituting payment caps and minimum income thresholds to make sure you only pay when you can, and you're never penalized for your success. In addition to a 3-month grace period after graduation, you will never make a payment when you make below $40k/year or repay more than 2x the original Funding Amount.

Focused on your future

Unlike traditional student lenders, Stride looks at where you’re going, not where you’ve been. We provide rates based on the degree programs you’re pursuing, not your current earnings or ability to find a co-signer. We don’t use FICO scores, and only look at your credit history to make sure your other obligations are manageable, because at the end of the day, we want to make sure you succeed!

Frequently Asked Questions

There's plenty of confusion surrounding Income Share Agreements (ISAs). We're here to clear the air.

How does my credit history impact my chances of getting approved for an ISA?

We do not base our approval on a particular credit score. However, we will look for major credit issues and will decline if any issues exist.

How long does a Stride ISA last?

A Stride ISA payback period generally lasts 5-7 years based on your school, major, program, funding amount, and graduation date.

How much funding can I get?

Stride offers up to $25,000 in education funding per year. If you need more, we've partnered with our friends at CommonBond to cover the rest of your funding needs.

How are rates calculated?

ISA percentages depend on a number of factors including academic program, college or university, and when a student will start earning an income.

What are the risks to students?

ISAs have a fixed income percentage to make your payments affordable based on your earnings. On the flip side, if a student earns a higher salary than expected, they may end up paying more than they would with a loan. At Stride, we cap the total amount paid at 2 times the amount borrowed to limit this risk for our students.

Will an ISA affect my financial aid?

Nope! Most schools treat ISAs just like private student loans.

1. Apply and check if you’re eligible

Fill out our 1-minute pre-qualification form.

2. Get your personalized ISA

Get your personalized rate, followed by an ISA offer package.

3. Join Stride!

If you like what you see, we'll get you all set up to start funding your education with Stride!


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Dallas, TX 75225 United States

© Stride Funding, Inc. 2020 -- formerly AlmaPact

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