Investing In Your Future

We create opportunity by removing financial stress.

Deciding to pursue further education is exciting, but it can also be a stressful experience. You may feel burdened by the prospect of taking on excessive student debt or unsure how to manage jobs while studying. Leif removes these barriers to education and creates the opportunity for you to succeed in the pursuit of your education. Through an Income Share Agreement (ISA), you do not pay tuition until you land a well-paying job.

Unlike traditional student loans, ISAs align the incentives of your school with your success. The biggest advantage of financing your education with an ISA is that the payments adjust to what you can afford based on your income. If you fall on hard times and lose your job, you pay nothing; no more fear of default.

“I have rediscovered a love for learning new things and a drive to improve myself. It has changed not just my life, but it is helping me to redefine who I am and to become the person I want to be.”

Randall, Lambda School

How do ISAs work?

Leif enables you to fund your education with an Income Share Agreement . An ISA is a contract between you and your school that allows you to attend school without paying any tuition upfront. Once you graduate and are earning above a predefined minimum income, you agree to pay a small percentage of your income for a fixed period of time, with a predetermined cap. Plain and simple.

Which educational programs does Leif fund?

Leif works with all types of schools, from traditional four year universities to four month coding bootcamps. We only collaborate with schools that have proven outcomes and are focused on delivering significant value to their students.

We hate student debt as much as you do! Get your school to join Leif and we will help pay down your existing loans. Contact us for more details.

What does the process look like?

1.   Find a partner school

2.   Apply for your ISA online in minutes

3.   Leif works with your school to ensure that 100% of your tuition costs are covered

4.   Go to school

5.   When you land a job paying $40k or more, you pay 10% of your income for 3 years*

6.   Enjoy a brighter future

*Specific terms for individual schools may vary

How is an ISA different from a traditional loan?

Fair Payment Start

Traditional loans typically commence payments shortly after graduation, regardless of employment status or how much money you make. An ISA only requires payments when you are employed and making above a certain amount. If you are unemployed or not earning enough, you pay nothing.

No Interest

Traditional loans accrue interest over time which can greatly increase the total amount you are required to pay. An ISA has no interest.

No Cosigner Required

Traditional loans frequently require a cosigner to guarantee repayment depending on your credit history. An ISA does not require a cosigner. We believe in your ability to succeed on your own.

Transparent Rates

Traditional loans charge dramatically different rates based on your credit history. An ISA for your program always has the same terms.

No Fee Model

We don't believe in fees. We strive to be transparent and upfront.

“For the first time in my life, I saw a chance, I saw a path laid out before me, and I grabbed it.”

Dixie, Computer Science graduate