what’s wrong with that? is it better that people can’t develop their human capital, or is it better if people have a variety of ways to finance education to develop their human capital? The status quo is government student loans to finance education, which are generally NOT dischargeable in bankruptcy, AND must still be paid even if if you didn’t graduate, or get a good job afterwards? Isn’t the income-share agreement at least “less bad”? I’d be interested to hear your thoughts on how better to address the problem? If the government was involved, I personally think the best way would be a graduate tax of x%