Dreams Are Free.
Schools Are Expensive.
And Aid is Different than Support.




MentorWorks opens pathways to education and careers for students and candidates who may not have had the financial or social capital to do it on their own.


Income Share Agreement Program


Talent Accelerator Platform (TAP)


Prospective Student Connector


Diverse Talent Referral Initiative


Our Mission + Our People

MentorWorks Education Capital, Inc. is a Community Development Financial Institution (CDFI), certified by the U.S. Department of the Treasury.


MentorWorks Education Capital, Inc. is a Fintech venture that provides income-based financing to students in higher education, advanced certificate, and professional training programs through Income Share Agreements, or ISAs.

Our mission is to make quality education affordable and employment available to all students, regardless of background, and to help them develop the most fruitful career pathways. To that end, we not only provide student loan alternatives but also career support and access to jobs through our proprietary Talent Accelerator Platform (TAP).

Launched in 2016, MentorWorks is among the “founding members” of the ISA industry in the U.S. and has methodically built infrastructure and partnerships with a particular focus on regulatory compliance and social impact.

MentorWorks has created the first and only holistic ecosystem, offering ISAs to well qualified students, support and mentorship to improve graduation and job placement outcomes, while also partnering with employers to recruit directly from our talent pool.

MentorWorks is certified by the U.S. Department of the Treasury as a Community Development Financial Institution (CDFI).


Who We Fund + Support

  • College seniors
  • Continuing education students
  • Graduate program students
  • Bootcamp, professional or trade certificate enrollees
  • Aspiring career-changers
  • Experienced professionals facing unemployment

How We Help Candidates

  • Talent Accelerator Platform (TAP) – comprehensive, personalized job search & career coaching program
  • MW Labs Experience – experiential learning opportunities to propose solutions to hiring employers
  • Employer Engagement – live virtual events with employers, mentoring sessions and practice interviews

Why We're Qualified

Our leadership and senior management team members have an average of 25+ years of experience. Among us are tenured professors and operations executives from top-ranked universities as well as VPs and senior directors of marketing, technology, and operations from successful tech startups, Fortune 500 companies and Wall Street financial firms.


The Student Loan Alternative with Social Impact


Income Share Agreements (ISAs) are a flexible alternative to traditional fixed payment installment loans. Basically, students pay an affordable percentage of their future income for a set period of time, up to a maximum cap, without accruing interest. Unlike a loan, students do not pay until they find a job and reach the minimum income threshold. The payments adjust according to the level of the student’s income – providing downside protections for the student. ISAs may be issued by Blue Ridge Bank, N.A.


“Stack Education is an incredible asset in advancing your skillset for the modern economy. And MentorWorks’ Talent Accelerator Platform has provided me with tangible, relevant technical and soft skills that I can use throughout my career as a technology professional.”

Dawdu Mahama Amantanah


“Through the incredible teaching of the Stack Education team and MentorWorks’ TAP, I was able to not only develop new skills, but I found a career that I can be passionate about.”

Andrea Walsh


“The Talent Accelerator Platform helped me focus on enhancing my soft skills as well as shifted my views to help me focus on highlighting my personal brand message I wanted to bring to others when building my professional network.”

– Ian Fields



  • Students do not pay until they find a job and reach the minimum income threshold
  • The payments adjust according to levels of the student’s income
  • Monthly payments are calculated by applying the income share rate to the total monthly earned income
  • ISA obligations can be ended earlier by making early payments as listed in the early payment schedule


Income Share Agreements     VS.       PLUS/Private Loans
Interest does not accrue or capitalize. Interest accrues and capitalizes.
Your credit score does not affect the terms of your ISA. Your credit score may affect the terms of your loan and could impact your eligibility.
Monthly payments are based on a percentage of your income. You pay a fixed amount each month, regardless of your income.
Payments don’t start until you make above the minimum salary level in your ISA contract. You make payments, even if you are not making an income.
You only make ISA payments within a specific timeframe, usually 5-7 years. After that your obligation is over. Loan payment term can extend indefinitely until you pay off the principal and interest.
You know the maximum amount you’ll pay, no matter what. Interest is capitalized, so the final payoff amount can increase over the life of the loan if you do not make minimum monthly payments.

(Metrics below are for 2017-2020)

Note: Income Share Agreements may be issued by Blue Ridge Bank, N.A.


The Talent Accelerator Platform (TAP) for Job Search + Career Success


Virtual Job Search Prep Course for Finding Success

Design a Career Strategy

Create ATS Optimized Resumes

Write Professional Cover Letters

Use LinkedIn Networking for Jobs

Prepare for Any Interview

Learn How to Negotiate Offers


The MentorWorks Talent Accelerator Platform (TAP), is a comprehensive six (6) lesson career-enhancement framework specifically built with job-seekers of all levels in mind. We provide definitive guidance in professional skill building and key insights into employment factors that make for successful job searches.


  • College seniors
  • Continuing education students
  • Graduate program students
  • Bootcamp, professional or trade certificate enrollees
  • Aspiring career-changers
  • Experienced professionals facing unemployment


The TAP curriculum was developed by career services professionals who have worked closely with thousands of students, employers and recruiters throughout their careers. Our team knows what recruiters, HR and hiring managers want and have partnerships with employers like Liberty Mutual, Wayfair and many more.



Prospective Student Connector for Enrollment + Diversity

MentorWorks Education Capital, Inc. partners with a wide array of schools to provide students funding for education via Income Share Agreements (ISAs) – an income-driven alternative to traditional fixed payment installment loans. We also help drive enrollment by identifying individuals interested in further education who have signed up for online career coaching through our Talent Accelerator Platform (TAP). 

How MentorWorks Drives Leads and Enrollment


We help generate targeted leads for schools utilizing our proprietary Talent Accelerator Program (TAP) for online career coaching.

TAP is open to any student. Students join the program for direction about their career success. They get to review and consider educational programs, such as yours, that can help them advance their skills and career.


We provide funding to students with student-friendly Income Share Agreements (ISAs) that are pre-funded to pay tuition.

Upfront non-loan financing. Financial constraints tend to be a major impediment to pursuing further education or training. ISAs are a flexible alternative to traditional fixed payment installment loans.

Our School Partners

Benjamin Franklin Institute of Technology

IT Operations & Security

Healthcare & Health Tech

Electrical & Mechanical

Brandeis University

Business Administration

Economics & Finance

Analytics & Data Science

Code Fellows

Software Engineering

IT Operations & Security

Web Development


Analytics & Data Science


IT Operations

Software Development

Business Administration

Lakewood University

Pharmacy Technician

Stack Education

Software Engineering

Analytics & Data Science

Healthcare & Health Tech

Venture University

Business Administration

Economics & Finance

Sales Training

Venture University

Software Engineering

Web Development

Business Administration


Talent Referral Initiative for Diversity + Inclusion 

Industry-Leading Organizations that Hire MentorWorks Candidates

How MentorWorks’ Hiring Partner Program Works


Onboarding is simple. We gather information re: your specific hiring needs, requirements, and timelines. We also capture what defines candidate success in terms of interpersonal skills and culture fit. Our team debriefs and the matching begins.


Before a candidate enters the MentorWorks talent pool, both their education and work experience are validated. Moreover, we’ve gotten to know their individual career goals and personalities. This enables us to present only interview-ready, serious candidates.


MentorWorks serves as an extension of your recruitment team – whether you are preparing for future hiring or actively sourcing candidates. Our outcome-driven approach ensure successs through rapid turnaround, highly qualified candidates, and proactive follow-up.



Teamwork Really Does Make The Dream Work

Why We Do What We Do

Our mission is to open pathways to education and careers for students and candidates who may not have had the financial or social capital to do it on their own.

We dedicated to providing students with access – to employers, to mentors, to career enhancements, and to student loan alternatives. We are committed to our mission, which is to make quality education and employment available and affordable to all students, regardless of background, and to support them to develop the most fruitful career pathways.

Why Our Team Members Love MentorWorks 

MentorWorks has been built by intelligent, hard-working, and passionate people who want to be part of something vastly different and truly effect change. Our people dream big and possess a work ethic that inspires those around them. We are forward-thinking individuals who produce solutions rather than wait for them. No one is micromanaged and we promote ourselves through action and execution. We have the freedom and responsibility to achieve our goals and we hold ourselves accountable for setting and meeting expectations.

“Most importantly, I love that we’re helping so many people. Being a first-generation college graduate myself, I know that the powerful combo of our Income Share Agreement (ISA) and career-rich Talent Accelerator Platform (TAP) is exactly what is needed in higher education to align outcomes of all parties.”
Micha Sabovik

COO + Head of Marketing

“It’s simple, the work I do feels meaningful every day. I collaborate with a smart, hardworking, inclusive team, supporting TAP Candidates through professional development programming. This increases their confidence and employability, while engaging with diverse businesses committed to increasing diversity and inclusion and connect them with MW talent to support this recruitment goal.”
Katie Gallagher

Vice President of Corporate Engagement + Career Development

“We’re at the very nexus of the up/reskilling wave in the labor force, enabling and accelerating it with more flexible and progressive financing options than was ever available before. That sense of purpose and impact is unlike any I have felt in the past. And I genuinely love and respect everyone I work with; Karthik and Micha have done a phenomenal job assembling this one in a million team.”
Ki Akrami

Chief Investment Officer

“They say that when you love what you do, you don’t work a day in your life. Meanwhile, it’s quite rare in business to find an opportunity to do well for yourself while also doing good for others. At MentorWorks, I’ve hit the job lottery: I truly love what I do and, as somebody who begged, borrowed and worked during school to earn my degrees, I’m all about our mission – one student and one success story at a time.”
Brad Edmond

Senior Director, Marketing Operations

“I am extremely proud to work for a company whose mission aligns with my passion for educational access, equity, and development. The most special part about MentorWorks is working alongside equally passionate individuals from a wide spectrum of professional backgrounds who also understand the importance of a “student first” mentality.”
Meg Lucas

Director of Account Management

“It has been extremely fulfilling to work for a company that is so collaborative and inclusive in nature, and that believes so firmly in positive social change. Seeing the incredible progress we’ve made this past year reassures me that MentorWorks is a company of action, and that we are here to change lives for the better.”
Ford Draper

Corporate Engagement + Career Development Associate

“MentorWorks’ makes a difference in so many lives. I know firsthand, because thanks to MentorWork’s Income Share Agreement (ISA) solution I was able to attend an accelerated program / would not have otherwise been able to attend. I’m honored to work with a devoted team that truly makes a positive difference.”
Ian Fields

Web + Marketing Operations Manager

“MentorWorks has allowed me to explore my creative side and grow as a graphic designer. It brings me joy to work for a company were I get to use my passion to create engaging and meaningful content. We are changing people’s lives and I am grateful to be apart of that mission.“
Julie Weiss

Content + Engagement Associate

“So far, I love the diversity and how well everybody works together to accomplish different tasks, I am also happy to be part of the mission of helping students afford their education as that will ultimately help them succeed in life.”
Lois Dankwa

Compliance and Underwriting Analyst

“The way MentorWorks impacts lives through their alternative education financing is what makes the difference for me. We create a unique pathway to help a huge number of people, and I feel so fortunate to be surrounded by coworkers and colleagues who truly believe in our mission.“
Katy Grebing

Talent Accelerator Platform Manager

“I love my role with MentorWorks because we’re a part of a mission to help people TAP into their true potential.”