[mattmarcus]

I find it interesting the recent rapid rise of ISAs. I remember back in 2013/14, hearing Upstart pitch to my college for their ISA program. From what I recall, their pitch fell mostly on deaf ears. You can still see their ISA agreement online funnily enough: https://www.upstart.com/funding_terms But they discontinued it in 2014: https://slate.com/business/2014/05/upstart-pulls-income-shar...

It's not clear to me why the market pull for ISAs has grown so much recently, although I am happy to see it as an alternative to debt. Perhaps it's the increasing student loan debt burden in the US? Perhaps capital markets opening up to ISAs as an investment vehicle as well?

[danenania]

I think the tech boom/talent shortage has a lot to do with it. It seems fairly unprecedented that a smart person with no education can take a ~1 year course, then reliably expect to be making a significantly above average salary immediately, and a six figure salary within a few years.

[davidbhead]

I'm wondering why it's just now they've become popular. Maybe they just needed a successful initial usecase and found it in Lambda School (unless I'm missing another successful ISA use case before Lambda School).

Regardless, it's great to see Modern Treasury build a solution to make ISAs simpler to implement.