MentorWorks Income Share Agreement (ISA) — MentorWorks Education Capital, Inc. is a student loan from MentorWorks Education Capital, Inc.. Loan terms: You only make ISA payments within a specific timeframe, usually 5-7 years. Income share agreement (ISA): students pay a percentage of their future income for a set period of time, up to a maximum cap, without accruing interest. ISAs may be issued by Blue Ridge Bank, N.A.