How Edly Works

1. Screen Schools

Edly screens school programs and focuses on the ones that Edly believes have the potential to produce a high return on student investment.

2. Create ISAs

Edly creates Income Share Agreements (“ISAs”) with students who agree to pay Edly a percentage of their salary after graduation.

3. Invest With Edly

Investors have 2 ways to invest:
1) EdlyOutcomes: A managed account for investments that will be directed by Edly | 2) Edly Notes: A fixed-income investment backed by a portfolio of ISA assets

4. Distribute Returns

Edly collects the payments from students and distributes them to investors on the 25th of each month.

5. Track & Report

Edly tracks the performance and reports to investors.

Start investing in higher education.

ISAs are an affordable and flexible alternative to student loans.

Instead of taking out a loan, students agree to pay a percentage of their future earnings for a fixed number of months.

The number of months can range from 24 – 120 months and students only need to make a monthly payment if they are working, and earning above a minimum salary.

How to get started with Edly.

Edly seeks investments in ISAs that we believe are likely to produce high risk-adjusted returns for investors, while also providing access to education for promising students.


Create your account

Open an account with Edly. Only Accredited Investors in the U.S. may invest with Edly.


Choose an amount

Choose an amount you would like to invest. Minimum investment size is $10,000.


Fund your account

Your money will be held in your account until it is invested.


Get paid monthly

You will receive monthly payments of available cash and updated performance reporting on the 25th of each month.

Choose higher education for higher returns.

Edly uses a systematic, research-based approach to invest in the top 20% of higher education programs.

Edly analyzes the historical outcomes of students as captured in data about the schools, the area of study, and geography. We look for an attractive relationship between the tuition of the program and the student outcomes. The higher the “ROSI” (Return on Student Investment) the more attractive it is to edly.

Edly protects its investors.

Backed by Contracts

Edly has the contractual rights to the cash flows paid by students.

Experienced ISA Servicers

Edly hires a third party servicer who collects payments from students.

Edly targets investments that are likely to produce high risk-adjusted returns

Commonly asked questions

Is my investment safe?

Alternative investing involves a relatively high degree of risk. Edly takes steps to minimize the risks it can. For example, Edly will invest in actual student contracts, seeks collections from students via a professional servicer, and does extensive screening prior to investing.

How much can I expect to earn?

Alternative investments can be high risk. There is no guarantee that target returns will be achieved. Investments with EdlyOutcomes I High Yield have a target return of 14% (IRR). Fixed income investments may have a shorter maturity and lower coupon that may correspond to an investment grade rating. The Edly Inc. Senior Secured Notes 2021-1 issue has an 8% coupon paid monthly.

How am I paid?

On the 25th of each month (or next business day thereafter), Edly will pass through any cash payments made by students. These payments are low at first while students are still in school or just starting to work. They increase later and then end – typically within 3 to 5 years.

Edly Notes investors receive a monthly fixed coupon payment which equals 8% per annum, in addition to a variable principal paydown.

What fees are charged?

For Edly Outcomes:

Management Fees: 1% of the initial investment amount per year for two years, plus 4% of the ISA cashflows.

Expenses: Edly will also charge investors all of the out of pocket expenses relating to the management of the account up to 1% of cash returned to investors.

For Edly Notes:

There are no Management Fees charged directly to the investor.

Can I sell my investment?

There is currently no secondary market for Edly investments. Edly may be able to allow for early redemption in certain circumstances but you should expect to hold until all of the student payments are done – typically 3 to 5 years.

How is my investment taxed?

You will receive a 1099 on any tax amount due each year. For Edly Outcomes, Edly tries to minimize the amount of tax due in the early part of your investment. See PPM and respective PPM Supplement for a fuller description. For Edly Notes, investors will have interest paid reported on a 1099 each year.