Income Share Agreement(ISA)

Income Share Agreement (ISA)

Study now, pay later

What is ISA?

At Cloud Technology Experts, we believe that everyone should have access to quality education. However, the tuition fees can sometimes prevent people from achieving the goal of a quality education. That is why we have partnered with Leif to offer ISA programs to our students. With ISA, you study now and pay when you get a job. There is no principal or compounding interest rate. You basically defer tuition payment until you get a job. When you get a job, you pay a percentage of your salary until you complete payment. Better still, if you earn below 40K, you pay nothing until you get the right job.

Why ISA?

ISA is simply a way to help you achieve your dream job. Money should not be the reason why you may be stuck on your dead end job. Get the training that almost guarantees you a job after graduation and then start making payment. Don't let lack of finance stop you from achieving your ticket to a better job because we have you covered.

Getting started

Here is a step by step guide:
  • Apply for any course of choice here.

    application form

  • Go through the selection process
  • When you have an admission offer, apply for ISA. You can apply directly from Leif here.

  • If your application is approved, you can start your program.
  • After 5/6 months, graduate and get your dream job.
  • Start making monthly payments
  • Complete your payments
  • Enjoy the rest of your life on a well-paid job.
  • And oh, don't forget to recommend the school to your friends and even enemies :)


Your questions are answered below.
  • How do I qualify for ISA?

    • Note that this does not depend on your credit score.
    • You need to be based in the USA, and
    • You need to either be a resident or an American citizen.
  • Can you tell me how much monthly payment I will be making after graduation?

    You make a payment of 12% of your salary for 24 payments with a payment cap at 18.1K. You can play with the slider on the application link and below to give you a better idea.

  • When do I start making payment?

    After graduation from the program and securing a job, you will work directly with Leif to verify your income. Once you are earning above the Minimum Income Threshold ($40,000/year), you will start making monthly payments of 12% of your monthly income. Payments are made through your account on Leif portal.

  • When do I stop making payment?

      To stop making payment, either of the following conditions must be true:
    • You have made up to 48 payments at 12% of your salary
    • You have made a payment cap of about 18.1K.
    • It's 7 years since you started making payments even if you haven't reached the payment cap.
  • How is ISA different from student Loan?

    An ISA is different from student loans. In ISA, there are no fixed or variable interest rates. Instead, you pay a set percentage of your monthly income (typically 12%), for a set period of 24 months. Since this is a percentage of your salary, you pay more when your salary goes up, and conversely you pay less if your income goes down.

  • What is my expected salary on graduation?

    You may not get less than 60K on graduation from any of our programs. You could earn between 45 - 120K after graduation, for your first role.

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