Program Overview

WHY IS THE UNIVERSITY OF UTAH PILOTING AN ISA PROGRAM?


In Utah, 27 percent of people who start college never graduate. Through Invest in U, the University of Utah is investing in our students’ success, recognizing that many students start and stop their educations based on finances, prolonging the time it takes to graduate and delaying earning potential. While the U has advanced retention and completion rates over the past five years, we have more work to do.

Invest in U is a pilot program that offers income share agreements (ISAs) as an innovative, flexible way for students to finance their educations. The ISA program is designed to fill funding gaps and enable students to enroll full time to finish their degrees faster so they can begin earning sooner.

The U’s Invest in U ISA program is funded by $6 million in donor, investor and university money. It is strategically designed to increase retention and degree completion. Students may receive $3,000 to $10,000 in ISA awards. Students’ ISA payments go back into the Invest in U fund to perpetuate the success of future students.

Why accelerate time to graduation?


The numbers are clear: The sooner you graduate and begin your career, the more money you will make over your lifetime. However, too often students stop and start their educations or reduce their credit hours, due to financial constraints, delaying their graduation. The Invest in U program seeks to accelerate time to graduation by providing an additional financial aid option to help more students cross the finish line.

Why do completion-focused ISAs make sense for Utah students?


  • 27 percent of Utah adults started college but did not graduate
  • Flexible funding option
  • Fill in the gaps after grants and scholarships
  • Potentially less expensive than other student loans
  • ISAs do not accrue interest and have no principal balance
  • Students make payments back to the Invest in U fund to help future students
  • The U is investing in student success

The longer you take to graduate, the more you pay for college.


Tuition isn’t the only factor to consider when you think about what it costs to get a college degree. This graph illustrates the costs of extending your time to graduation, both in terms of added college expenses and lost earnings.

For example, students who take seven years to graduate accumulate approximately $50,000 more in college expenses and miss out on $60,000 in earnings, for a total loss of over $100,000. Ultimately, people with some college but no degree, which would advance their earning potential, are at a disadvantage over their lifetimes.

Still have more questions?

Explore the site to learn more about ISAs.

FAQ page  comparison tool

Opportunity Costs
Tuition Costs
Total Cost
$35,000
$35,000
30 CREDITS
Total Cost
$60,000
$20,000
$40,000
24 CREDITS
Total Cost
$108,000
$60,000
$48,000
18 CREDITS
Total Cost
$176,000
$120,000
$56,000
12 CREDITS
Average Credit Attempted Per Year
4 YEARS
5 YEARS
7 YEARS
10 YEARS
Years to Graduation

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