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Yeah, this is the market I'm talking about. For example, say I'm pretty successful in another field (medicine / accounting / law) - earning maybe 500K. Been cod

Yeah, this is the market I'm talking about. For example, say I'm pretty successful in another field (medicine / accounting / law) - earning maybe 500K. Been coding on the side since I was young, enjoy it. I'd probably be a "success" in some ISA type school (past good history with testing / studying etc). But the income split is not appealing, I'd be chasing ultimately a more management level position longer term tech side. So I'll select away from ISA model. Now you have someone who has struggled, they did art studies, in and out of school, realize the movie director dream is probably not going to happen and art pays horribly in general for day to day work. ISA is perfect for them, they have no income prospects currently. But this may be an adverse selection in terms of someone who has struggled with education generally (though a fantastic story if they make it through.)

namelessoracle 5y ago
Thing is those people might not have struggled educationally at all. The ex math teacher i talked about? Made 4.0 in everything. Didnt even owe student loans because they had grants/scholarships. The ex laywers all did just fine educationally. (and their massive debts probably didnt help their credit scores) Where it gets really messed up is the people who did what they were "supposed to do" and got a STEM degree in Chemistry/Biology/Physics. Only to discover that there is basically no employment for people with just Bachelors degrees in those fields and they would have to go deeper down debt holes just to make ultimately less money than what most coding jobs pay...... Those people do GREAT at coding boot camps and technical training btw.