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Biggest determinant of earnings for college grads is sex. No way a public ISA charges higher % to women than men, which will lead to adverse selection problem. Private investors will discriminate, but problem we're trying to solve isn't how to get wealthy, white men to college.pic.twitter.com/mEKJhCm85X
The number you care about is not total earnings, but the probability that the student will earn enough to pay off the ISA. Those might be more equal.
But the ISA isn't "paid off" it's a sharing agreement like equity so you get less if total earnings are lower.
Aren't most ISAs capped?
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