Chaptr Global is an income share servicing company that seeks to democratize access to quality education across Africa through Income Share Agreements (ISAs). An Income Share Agreement is a contract between a school and a student allowing a student to pay what they can upfront, then pay the remainder as a percentage of their income once they graduate and are earning. Having started as a coding school in 2019, we saw a lot of talented young Africans miss out on great educational opportunities because of lack of fees. We decided to pilot ISAs within our school and the huge demand we saw from both students and technical schools led us to pivot from a school to an ISA service provider in September last year. Chaptr handles the entire ISA pipeline by vetting students, designing contracts for both schools and students, tracking graduate income, and collecting payments. We also have an online marketplace where we match prospective students to our partner schools and get an affiliate commission on every successful referral.