You’re right. Our average increase in salary is $40k/yr. The lifetime value of that is in the millions. We charge less, on average, than the delta in the first year’s salary, and still do very well. It’s a no brainer for all parties. It’s making that happen that’s hard.
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The contracts are solid outside of bankruptcy, which is the same as every other type of note. Though, again, not every model requires 100% payback. It’s a different way of looking at education that we built in from the start. Our model would *technically* be fine at 50%.
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Has there been an enforcement in a voluntary default? It's also a very pro-cyclical form of education finance and many education decisions are made counter-cyclically.
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Yup, talk to
@TonioDeSo who sees 100x what we do
End of conversation
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