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Journal Article
Capital for Communities: Financing Human Capital Through Income Share Agreements
Outstanding federal student loan balances in the U.S. exceed $1.2 trillion, and many believe rising student loan delinquencies represent an emerging crisis for students and the broader economy. Income share agreements (ISAs) have been identified as a new potential source for financing higher education, making important investments in human capital improvements while limiting some of the debt burden placed on students. This article will explore why some believe that alternatives to traditional student loans are needed and will also examine the promising solutions ISAs could bring to students ...
Banking Analytics: Allowance for Credit Losses Remains Stable at U.S. Banks
The ACL coverage ratio, which was stable at 1.66% for U.S. banks in the first quarter of 2026, offers insight about the risk in banks’ loan portfolios.