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Education verified Verified Outcome TRL 9

Equity-Based Student Financing (ISA)

domain Client: Public Research University handshake Provider: Vemo Education schedule Deploy: 2016-Present
91 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Launch of the 'Back a Boiler' program, an Income Share Agreement (ISA) fund where the university invests in students in exchange for a fixed percentage of their future post-graduation income for a set period.

rate_review Analyst Verdict

"A financial product innovation that shifts risk from the student to the institution. It aligns the university's incentives with student outcomes—if the student doesn't get a good job, the university doesn't get paid."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Rising tuition and predatory private loan interest rates were creating a debt crisis, discouraging low-income students from finishing degrees. Traditional loans accrue interest regardless of employment status, trapping graduates in debt spirals if they fail to find high-paying work.

psychology The Solution

Created an ISA fund. Instead of a loan with principal and interest, the university covers tuition upfront. In return, the student signs a contract to pay X% of their income for Y years after graduation. If they earn below a threshold (e.g., $20k), they pay nothing. The payments are capped to protect high earners.

settings_suggest Technical & Deployment Specs

Integrations
Financial Aid Systems
Deployment Model
Financial Product
Data Classification
Financial Data
Estimated TCO / ROI
Fund Capital
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Regulatory Uncertainty High Lobbying for clear ISA legislation.
Adverse Selection Medium Major-specific pricing caps.

trending_up Impact Trajectory

Audited value realization curve

Disbursed millions in funding to students Verified Outcome
Primary KPILower effective rate for students than private loans
Audit CycleRisk transfer from student to institution

policy Compliance & Gov

  • Standards: Consumer Finance Laws
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Financial Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Public Research University without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-596
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-596

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