> 1) Many bystanders think the ISA business model is predatory. I've seen it compared to slavery. I've talked with hundreds of low-income, high-promise people,

> 1) Many bystanders think the ISA business model is predatory. I've seen it compared to slavery. I've talked with hundreds of low-income, high-promise people, and ISAs are 1000% more attractive to that audience than more conventional debt-like instruments, even debt-like instruments with forgiveness protocols. When people talk about what's good for low-income students, and say it's not ISAs... I don't think these people have a cohesive theory of educational access??? I can't explain it. Yeah, the state pays for education and people like you pay taxes to the state. Anything else trends toward slavery.