Take advantage of a better financing option than traditional student loans. Our Income Share Agreements (ISAs) give you the time and flexibility you need to achieve your career goals.

What is an Income Share Agreement (ISA)?

ISAs are a flexible alternative to traditional student loans. In an ISA, students pay an affordable percentage of their future income for a fixed period of time, up to a maximum amount, without incurring interest. Students do not pay unless they find a job and reach the minimum income threshold.


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


What People are Saying About MentorWorks

How we work


1. Apply

Our online application will ask you about your education and your employment status, among other details.

  • Apply through the MentorWorks ISA platform
  • Select the amount you need
  • We’ll be in touch within 10 business days

2. Our Offer

If your ISA application is approved, you'll know the maximum amount you'd pay upfront. You'll never pay more than the amount in your contract. 

You'll also begin our Talent Accelerator (Career Enhancement) Program.


3. You Accept

You can use your financing for things such as:

  • Tuition or program fees
  • Bootcamp or certificate programs
  • Other expenses as approved
  • We pay your school directly

4. Complete Your Program

Once you graduate from your program (or discontinue your studies) you'll begin paying back your ISA if your income meets or exceeds the stated income threshold in your contract.

5. Time to Market Yourself!

MentorWorks has relationships with top-notch employers, and can help get your resume in front of them. In our Talent Accelerator Platform (TAP), we provide assistance with such items as:

  • Job Search Strategy 
  • Resumes & Cover Letters
  • Personal & Professional Branding
  • Interviewing & Negotiation
  • Best Practices Webinars
  • Virtual Office Hours & Whiteboarding Sessions
  • Peer-to-Peer Mentoring

6. Start Working

 Congrats! You’ve landed a job!

You’ll start payments on the agreed percentage upon your first payment period.


MentorWorks is dedicated to providing students with access – to employers, mentors, career enhancements, and student loan alternatives.