How Edly Works

1. Screen Schools

Edly screens school programs and focuses on the ones that Edly believes have the potential to produce a high return on student investment.

2. Create ISAs

Edly creates Income Share Agreements (“ISAs”) with students who agree to pay Edly a percentage of their salary after graduation.

3. Invest With Edly

Investors have 2 ways to invest:
1) EdlyOutcomes I: A managed account for investments that will be directed by Edly | 2) Invest in individual school offerings.

4. Distribute Returns

Edly collects the payments from students and distributes them to investors on the 25th of each month.

5. Track & Report

Edly tracks the performance and reports to investors.

Start investing in higher education.

ISAs are an affordable and flexible alternative to student loans.

Instead of taking out a loan, students agree to pay a percentage of their future earnings for a fixed number of months.

The number of months can range from 24 – 120 months and students only need to make a monthly payment if they are working, and earning above a minimum salary.

How to get started with Edly.

Edly seeks investments in ISAs that we believe are likely to produce high risk-adjusted returns for investors, while also providing access to education for promising students.


Create your account

Open an account with Edly. Only Accredited Investors in the U.S. may invest with Edly.


Choose an amount

Choose an amount you would like to invest. You can invest as little as $10,000.


Fund your account

Your money will be held in your account until it is invested.


Get paid monthly

You will receive monthly payments of available cash and updated performance reporting on the 25th of each month.

Choose higher education for higher returns.

Edly uses a systematic, research-based approach to invest in the top 20% of higher education programs.

Edly analyzes the historical outcomes of students as captured in data about the schools, the area of study, and geography. We look for an attractive relationship between the tuition of the program and the student outcomes. The higher the “ROSI” (Return on Student Investment) the more attractive it is to edly.

Edly protects its investors.

Principal Protection

Some of our offerings have investment principal backed by U.S. Government Bonds. Check each offering to see if it is protected.

Backed by Contracts

Edly has the contractual rights to the cash flows paid by students.

Experienced ISA Servicers

Edly hires a third party servicer who collects payments from students.

Edly targets investments that are likely to produce high risk-adjusted returns

Commonly asked questions

Is my investment safe?

Alternative investing involves a relatively high degree of risk. Edly takes steps to minimize the risks it can. For example, Edly will invest in actual student contracts, seeks collections from students via a professional servicer, and does extensive screening prior to investing.

Investments in EdlyOutcomes I have principal protected by U.S. Government bonds.

How much can I expect to earn?

Alternative investments can be high risk. There is no guarantee that target returns will be achieved. Investments with principal protected by U.S. Government bonds, like EdlyOutcomes I (Principal Protected), have a target return of 8% (IRR).

How am I paid?

On the 25th of each month, Edly will pass through any cash payments made by students. These payments are low at first while students are still in school or just starting to work. They increase later and then end – typically within 3 to 5 years.

What fees are charged?

There are a variety of indirect and direct fees for EdlyOutcomes I. The direct fees include: a Management Fee of 2% of the ISA cash flows and 1% of treasury STRIPS cash flows,  as well as .5% of the total invested amount upfront. Indirect fees are fees paid to collect the payments from students as well as origination fees paid by schools or students. Edly targets a 8 to 14% return to investors NET of ALL fees. 8% is with principal protected by U.S. Government Bonds.

Can I sell my investment?

There is currently no secondary market for Edly investments. Edly may be able to allow for early redemption in certain circumstances but you should expect to hold until all of the student payments are done – typically 3 to 5 years.

How is my investment taxed?

You will receive a 1099 on any tax amount due each year. Edly tries to minimize the amount of tax due in the early part of your investment. See PPM for a fuller description.