Study Now and Pay Later with Tomorrow University’s Income Share Agreement

At Tomorrow University, we believe your education should drive your future, not your debt. Our Income Sharing Agreement (ISA) is a flexible financing option designed to eliminate the burden of upfront costs, allowing you to focus on learning now and pay for your education when you’re financially stable.

What is an Income Sharing Agreement (ISA) at Tomorrow University? 🎓💡

An Income Sharing Agreement (ISA) is a payment structure that allows you to finance your education by covering your tuition costs now, while you repay a percentage of your income after securing employment. It’s an alternative to traditional loans that ensures repayment is tied directly to your financial success.

How does the Income Sharing Agreement work? 🔍

Our ISA at Tomorrow University operates on three core principles, ensuring that your payments are manageable and tied to your career trajectory.

💰 No upfront payments

You won’t need to worry about tuition costs while you study. The Income Sharing Agreement covers your tuition either fully or partially, depending on the program. You'll only be required to cover your application fee.

📈 Repayment based on your income

Once you’ve landed a job and your income exceeds the agreed threshold, you’ll begin repaying a fixed percentage of your salary.‍

🔄 Flexible repayment terms

If your income drops below the threshold or you become unemployed, repayments pause. You also have the option to repay early at a reduced cost.

Who is eligible for an Income Sharing Agreement at Tomorrow University?

If you’re enrolled in one of Tomorrow University’s eligible programs and meet certain criteria, you may qualify for the ISA. Here’s a brief overview:

• You must be a citizen or permanent resident of Germany/Spain.
• You must have the legal right to work in the country of your future employment.
• Enroll in an ISA-eligible degree program at Tomorrow University.

How to apply for an Income Sharing Agreement

The process to apply for an ISA is simple and designed to make financing your education hassle-free.

1. Submit your application

Apply for your chosen program, and once accepted, you'll receive details about the ISA options available to you.

2. Review the terms & conditions

We’ll provide detailed guidance on your repayment percentages, income thresholds, and other terms.

3. Sign the agreement

After reviewing and understanding the terms, sign your agreement. With your tuition covered, you can now focus entirely on your studies.

Why choose an Income Sharing Agreement at Tomorrow University?

The Income Sharing Agreement is not just about removing financial barriers—it’s about aligning your success with your education. Unlike traditional loans, this model adjusts to your financial situation, ensuring you only repay once you’re on a stable career path. Here’s why learners across Europe are embracing this model:

• No debt burden upfront 🎒: Your degree is fully covered until you’re earning.
• Career-aligned repayment 💼: Payments start only when you’re financially ready.
• Risk-managed 🛡️: If your career takes unexpected turns, the ISA pauses.

Ready to start your journey with Tomorrow University of Applied Sciences?

Don’t let financial concerns keep you from pursuing the education you deserve. Our Income Sharing Agreement can help you start today without worrying about tuition. Apply to one of our degree programs to begin your transformative learning journey, or contact us for more details on how the ISA can support your future.

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