> I'm glad to see Income Share Agreements (ISAs) as #1. They're a tax on the poor and just as bad if not worse than predatory student loans.

They’re a loan that you don’t need to pay back unless you’re making money. The idea that they’re as bad as a normal student loan let alone a predatory one is nuts.

Certainly they should be capped so there’s a maximum amount you’l you can possibly end up paying, not uncapped like App Academy’s but you’d have to have a very high proposition of an income share or an extremely long term for them to be as bad as a standard student loan.