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GS2 Pioneers Income-Based Repayment Models with $2 Million Loan Facility Leveraging Income Share Agreements

By July 21, 2017May 24th, 2021No Comments
Goal Solutions portfolio servicing company

Goal Structured Solutions, Inc. (“GS2”) is pleased to announce that it has, in partnership with Make School, become the first lender to enhance cash flow opportunities for schools by leveraging Income Share Agreements (ISAs). GS2 recently closed a $2 million credit facility, enabling Make School students to fund their education debt free with ISAs.  This groundbreaking ISA collaboration creates transparency in higher education by aligning the cost of an education with students’ outcomes.

As a forward-looking, income-based student financing option, ISAs help students fund their education based on a fixed percentage of their income for an agreed upon number of years after graduation. Since no interest accrues in school, ISAs alleviate the burden of debt on students and their families.

“Traditional methods of financing higher education only evaluate families’ ability to pay based on past performance without transparency to a student’s potential return on investment for their education.  ISAs align costs to outcomes and broaden consumer information, leading to more informed decisions and improving accountability.  In partnering with Make School, we are facilitating innovation and revolutionizing the way people pay for school,” said Ken Ruggiero, Chairman and CEO of GS2.

Make School’s product based education model, ISA funding structure, and career support empower students to succeed. “Our partnerships with GS2 and Vemo Education make our ISA program possible.  We worked closely with GS2 to customize an ISA financing structure that would work best for our school and our students.  Vemo Education provided us with the infrastructure required to implement ISAs. As innovators in higher education, Make School is proud to collaborate with these forward-thinking partners in education finance,” added Ashu Desai, founder of Make School.

GS2 offers several solutions to help schools finance ISAs. For more information visit, call 619-684-7237 or email [email protected].

About Goal Structured Solutions, Inc.

Goal Structured Solutions, Inc. (“GS2”) is an administrator and developer of student loan programs, including student loan programs conducted by unaffiliated parties. GS2 is an award-winning, values guided, employee owned and governed, finance and asset management company providing a comprehensive array of products and services, including: trust administration, portfolio management, loan performance analytics and capital markets advisory services to the education finance marketplace. GS2 currently manages over $26 billion of private and federally-guaranteed student loans for its clients and partners. In addition to providing services, GS2 has deployed over $140 million of capital in acquiring over $3.1 billion of performing and non-performing loan portfolios.  We offer services within the student lending life cycle:

•  Trust Administration

•  Master Servicing

•  Private Student Loan Originations 

•  Loan & Receivable Purchasing

•  Capital Markets Advisory Services

•  Income Share Agreement Funding Structures

GS2 is headquartered in San Diego, CA where they have been awarded “Best Places to Work” by the San Diego Business Journal (2015 – 2016) and received the “2016 Top Workplaces” honor from The San Diego Union-Tribune.  Please call 619-405-0886 or email [email protected] for inquiries regarding GS2 service offerings.

About Make School

Make School is redefining computer science education, emphasizing project-based learning through its Product College and Summer Academy. Based in San Francisco with multiple locations across the U.S. and Asia, Make School is changing the way future founders developers learn.  Students build products they’re passionate about, while networking with other talented students and tech-industry professionals. Alumni have studied computer science at Stanford, MIT, Harvard, UC Berkley and have gone to work at Apple, Google, Facebook, Tesla and other top global technology firms.  For more information, please visit 

About Vemo Education

Vemo Education’s mission is to help higher education institutions empower their students by developing customized, value-oriented student financing programs. Providing a full-service approach to its partners, Vemo has invested in the infrastructure required to design, price, originate, disburse and service income-based payment products. Vemo’s management team has extensive experience in education finance and the financial aid sector.  Learn more at


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