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MentorWorks finances school tuition with Income Share Agreements (ISAs) and provides students with career coaching and job opportunities via our Talent Accelerator Platform (TAP).


Student Information: Income Share Agreements



Pay Only When Employed

Minimum Income Floor

Payment is a Fixed % of Income

Early Payment Options

Interest does not Accrue



Job Search Strategy

ATS Optimized Resumes

Professional Cover Letters

LinkedIn + Job Boards

Interview Preparation

How to Negotiate Offers

What Income Share Agreements Are & How It Works at MentorWorks



Income Share Agreements (ISAs) are a flexible alternative to traditional fixed payment installment loans. Basically, students pay a 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.


  • 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 may be issued by Blue Ridge Bank, N.A.


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 do not 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 will 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.

School Partners Where You Can Pay with an ISA

Benjamin Franklin Institute of Technology

IT Operations & Security

Healthcare & Health Tech

Electrical & Mechanical

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

Frequently Asked Questions About ISAs

Does MentorWorks have eligibility requirements to apply for their ISA program?

You are eligible to apply if you are enrolled in one of the programs with our partner institutions, are a US citizen or permanent resident, are at least 18 years of age (or age of majority in your state) and are not currently delinquent on any loans. Please note these are minimum requirements only. MentorWorks has rigorous underwriting standards and applying does not guarantee funding approval.

What is the maximum amount of financing I can ask for?

Typically, MentorWorks can fund students who are in need of $5,000 – $22,500 but the team reviews each application/request on a case-by-case basis. We’ll check with your school to make sure the funding is appropriate to what you owe your institution.

How are students selected for the ISA program?

MentorWorks funds students in their only or last year of study in graduate programs, bootcamps, certificate programs with one of our partner schools.

MentorWorks does not have a set GPA requirement and we review your overall application. Selection into the MentorWorks ISA program will be measured on the basis of the candidate’s academic merit, past/current work experiences, and future potential.

What steps are required to apply for a MentorWorks ISA?

  • Step 1: To apply for the MentorWorks ISA program, issued by Blue Ridge Bank, N.A., begin the process by visiting our online platform and create a login: my.mentorworks.com

  • Step 2: Gather the following information:
    • Unofficial undergraduate and graduate transcripts
    • Two professional references
    • Current resume
    • Current non-expired government issued Photo ID
    • Some additional items may be required:
    • Outstanding student loan obligations: Educational loans
    • Offer letter from employer (if currently employed and studying part time)
    • US work authorization documentation (green card, passport, or scanned copy of SSN Card)
  • Log into my.mentorworks.com and complete the online application

How long does it take to find out if my application is approved?

Once you submit your application, the MentorWorks team will review and let you know if you are approved. The average response time it takes to review your application and give you a decision is approximately 7-10 business days. However, additional documentation may be required so the decision time may be longer if documents are not promptly provided.

Please note: MentorWorks has rigorous underwriting standards. If approved, you will be presented with the terms of your ISA as issued by Blue Ridge Bank, N.A. Read the contract carefully and sign the final documents online to finalize.

What Is the Talent Accelerator Platform (TAP)?


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.

TAP User Reviews and Success Stories

“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

Customer Operations Specialist, CRAYON

“MentorWorks gave me the knowledge and skills to approach my job search with full confidence. Not only did the course help me to navigate my job search, it also helped me to develop each aspect of my job application. I went into the course feeling lost in my search and left it with a strong sense of my skill set as well as a new understanding of my personal priorities for the beginning of my career. The TAP Course even gave me the confidence to decline a job that didn’t fit with my newly realized career goals. I am forever grateful for the TAP Course and the skills that I gained through it.”
Hannah Malloy

Research Assistant

“My statement is TAP works. You have to define who you are, what you really want and TAP provides those tools and assessments. TAP helps you realize you are not “entry level”. YOU bring something to the table; a fresh look, a different lens, a new skill, by being yourself. TAP also brings community and a group/team of supporters who are rooting for your definition of success! MentorWorks overall does this for you. As a former lender and some one who issued thousands of student loans, I had no vested interest in the success of the student. MentorWorks does have a genuine, personal interest in your success and your definition of success.”
Wayne Peterson

Retail Lending Leader

“Finding employment during a pandemic was a challenge I didn’t feel prepared for, but MentorWorks completely adjusted my perspective. Even when the job search felt exhausting, MentorWorks provided me the support and encouragement I needed to succeed. I just signed with a company that aligns with my skills, values, and career goals and I couldn’t be more grateful to the TAP and the MentorWorks team for giving me the tools I needed to get here.”
Robert Vance

Program Manager, Hack.Diversity

More About TAP Career Coaching + Sign Up for Free

To supplement our Income Share Agreement (ISA) financing option, we provide our Talent Accelerator Platform (TAP) career enhancement tool which is delivered asynchronously via our online platform. This tool is available to all MentorWorks’ ISA students at no additional cost or as a fee-based, stand-alone career support option.

TAP is a proven approach to job search success, giving students a competitive advantage in the job market by gaining skills with a foundation + approach – foundational work needed to set students up for job search success, plus live webinars and other sessions to help set them apart from the job-seeking crowd.

The TAP curriculum was developed by career services professionals who have worked closely with thousands of students, employers and recruiters throughout their careers. The MentorWorks team knows what recruiters, HR and hiring managers want.


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

Use this form to ask us a general question. If you are interested in applying to one of our school partners and getting an ISA or want career coaching, use the following links: