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How to Use Buy Now Pay Later To Build Your Career

Posted on January 3, 2022 by Darius Goldman

Being in a career that isn’t meant for you can be draining. 76% of employees experience burnout—which researchers say include such symptoms as exhaustion, feeling negative, cynical or detached from work, and reduced work performance. Upskilling can take time and can also be expensive and for many, it can feel out of reach. But what if there was a way to quickly change careers by learning new skills? And what if you could pay for it in a manageable way that you’re probably already using?

You’ve probably seen this offer before—

“Buy Now, Pay Later!”

It often applies to retail shopping. Platforms like Afterpay, Klarna, and Affirm allow users to make big box purchases like a new computer without having to shell out the entire cost upfront. Instead, they typically let users pay in four installments over six weeks. 

Buy now pay later (BNPL) platforms that allow customers to make purchases in installments are growing in popularity in the United States and being used like never before.


Four easy payments of $19.99 is becoming the default choice when shopping.

What if there was a way to use BNPL and installments to pay for your education?

At Meratas, we took BNPL and repurposed it with student education in mind.

Learn Now, Pay Later! 

Quality education does not always have to be financed with traditional student loans that acquire more interest over time. Buy Now Pay Later options are the future of education for students!  

The Flat Payment Plan incorporates all of the flexibility and reliability that you need.


This tuition product is best suited for you if you have long-term plans designed to ensure you have the time needed to pay. 

The Flex-Plan is designed to provide students with the same benefits of a traditional Income Share Agreement!

Do Your Research

If you are looking into Income Share Agreements or other flexible financing options, it is very important to do your research. You want to make sure that you understand the terms surrounding your financing completely. You don’t want to be surprised by a high or variable interest rate. 

If you’re not happy in your current role. If you’ve been putting off a new career because of the cost of learning new skills, Meratas can help. Visit our student’s page and get matched with the perfect education program to help you get the amazing career you deserve. Check out the Meratas blog for more!


Posted under: Tuition Options

Income Share Agreements For Entrepreneurs – The Future of Funding

Posted on December 14, 2021 by Darius Goldman

Income Share Agreements, or ISAs for short, are a growing alternative to traditional student loans. In the world of new financing approaches, Income Share Agreements are unique.  But many are starting to think of them as a tool to help startup founders and entrepreneurs. 

Don’t know what an ISA is? Here’s a quick overview: usually, with an ISA, your upfront payment for a service like education is deferred. Instead, you agree to pay back a percentage of your income over a set number of months. Think of it like deferred tuition but with added benefits since your repayments are linked to your income.

The percentage and period of time vary depending on ISA. For example, a student may receive tuition upfront for 5% of their income during the 48 months after graduation. ISA terms vary between ISA funders and have many benefits, but this is a basic overview. If you want to learn more about Income Share Agreements, you can check out our Ultimate Guide to ISAs. ISAs are most well-known as a tool for educators and students.

 But how might someone apply the principles of an ISA to funding for a startup?

ISAs for Entrepreneurs

Income share agreements are most commonly used to fund education and career development, but they are gaining potential for founders seeking early capital to start a business. 

With an ISA, the percentage you pay will stay the same even as your income varies. Meaning that your payments are linked directly to your income which ensures payments are always manageable. 

ISAs also include a salary floor, so your payments are paused if you’re earning under a certain amount. This feature is essential for founders who may experience periods with little to no income.

Most ISA’s also include a repayment cap, so once you reach that set total amount, you’re finished with your payments, regardless of whether or not you’ve made all the required payments. This prevents high-income earners from paying back an unfair amount.

This approach is perfect for entrepreneurs because it’s more flexible than equity-based funding options alone. It’s also an inclusive, equitable approach that serves idea and early-stage companies better than other traditional funding options. Since it’s an Income Share Agreement, your funder only wins if you win, so they’re committed to helping you succeed and giving you the tools you need to win. 

Who’s doing this now? 

Chisos is an up-and-coming company that invests in high-potential individuals from all walks of life. Chisos designed a funding model for idea and early-stage entrepreneurs: the Convertible Income Share Agreement. To learn more about their ISA program, visit their program info page.

This concept could be a game-changer for those looking to become entrepreneurs but don’t have the upfront capital to get started. What are your thoughts? 

Posted under: School Resources, Income Share Agreements

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Meratas is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. All products, logos, and company names are trademarks™ or registered® trademarks of their respective holders. Their use does not signify or suggest the endorsement, affiliation, or sponsorship, of or by Meratas.

We endeavor to ensure that the information on this site is current and accurate but you should confirm any information directly with your selected learning institution and read the information they provide.  Although every effort has been made to provide complete and accurate information, Meratas makes no warranties, express or implied, or representations as to the accuracy of content contained herein, which has been provided to us by our school partners.. We assume no liability or responsibility for any error or omissions in the information contained herein or the operation or use of these materials.