What is an Income Share Agreement?

Income share agreements, also known as ISAs, are how the majority of Holberton students pay for their education. They are not loans, and in fact they offer many advantages over the student loans we are all familiar with. We also believe ISAs can be one of the solutions to the $1.6 Trillion (and growing) student debt crisis currently looming in the U.S.

Holberton’s ISAs differ quite a bit from the student loans we’re all familiar with. For example:

  • There is no interest 
  • Repayments are a percentage of income, and not a fixed amount
  • For US residents, our ISA has a minimum income amount: If you make less than $40,000, then no payments are due.
  • With loans, there is a final amount that’s due no matter what. With ISAs, there are repayment caps and term caps
    • You can make up to 42 monthly payments, then payments stop. That’s three and a half years, maximum, that you will make payments for.
    • There is a maximum repayment cap of $85,000. Just like the payment cap, once you’ve paid this amount, then the payments also stop. This amounts to an average annual income of just over $142.8K per year.
    • Whichever cap hits first ends the ISA. So if you make $160,000, your repayments will stop sooner than 42 months, and if you make $120,000, you’ll pay less than $85,000.
  • Holberton students pay for their education in relation to their success. There’s no balance increase from interest, crushing payments between employment, or many of the other negative impacts people have associated with student loans.

Currently, Income Share Agreements lack regulation, and we want to make sure ISAs continue to exist and function in the students’ best interest. So, Holberton is at the forefront of proposing ISA regulation to Congress. Holberton, along with non-profit think tanks, select universities, workforce development groups, and bootcamps are working diligently with Congress to request guardrails, tax codes, agency regulations, and other student-friendly regulations for ISAs. We want ISAs to stay, first and foremost, the student-friendly financing option that they were designed to be.

https://upload.wikimedia.org/wikipedia/commons/4/4f/US_Capitol_west_side.JPG
We hope to help the people that work here understand not only what an ISA is, but also how we can be protect students’ interests through regulation.

Due to the current lack of oversight of the ISA market, to help students make informed decisions about ISAs, we have compiled the variables of a typical ISA and what to look for when picking which education option is right for you.

Structure of an ISA

If you are signing an ISA with a school, bootcamp, or workforce development group, you are financing a certain value (such as a tuition or workshop fee). Since some of the terms surrounding ISAs may be complex, we hope the information below will help you pick the ISA or education that’s best for you.

Image result for signing an agreement
Before signing anything, always make sure you fully understand the terms.

Financed Amount: If you were to pay upfront, what is the amount you are financing with an ISA is an important thing to pay attention to. Specifically what your financed amount is at the campus you want to attend, as the costs may differ between campuses. For example, at Holberton, the tuition amount that the ISA finances will differ by country.

Income Share %: This percentage should be based on your income only, not that of your family’s. For example, at Holberton we do not count your spouse’s, your siblings’, or your parents’ incomes in this percentage. When looking at your ISA contract, ensure you understand the definition of income as well, typically this will include base salary, cash bonuses and commissions. This amount is always pre-tax, also known as gross, due to the varying withholding regulations that exist in the US and worldwide. At Holberton, our ISA is currently 17% of your income but this may differ depending on your country or other terms specific to your campus.

Payment Cap: The payment cap is the maximum amount you will ever have to repay. This is put in place to protect you and ensure you will not overpay for your education. Usually a payment cap is defined as a multiple of the Financed Amount. At Holberton, our payment cap is equal to the Financed Amount, so you will only ever repay up to the amount of the tuition itself.

Minimum Salary Threshold: This is the minimum amount you need to earn in a set period, typically per month, to be required to make a payment. Setting a minimum income is not required but ensures you owe nothing when you are between jobs, unemployed, or simply not earning a high enough salary. Make sure the amount is not too low compared to the average salary of the career you’re expecting to go into in your respective country. At Holberton, our minimum salary threshold varies between the country you attended school in, helping our ISA be affordable to students around the world.

Duration: The duration of an ISA is often defined in months or years and is the amount of qualifying invoices you will receive. A qualifying invoice means you haven’t reached the payment cap yet and either your salary is above the minimum threshold, or you have exhausted your grace and deferment period. At Holberton, our duration is 42 months or 3.5 years, but may differ depending on your country.

Grace Period: This is a timeframe when you do not owe on your ISA upon graduation or after having completed your program. At Holberton, the Grace Period is 3 months after graduation.

Deferment Period: This is a period of time when you are in deferment, such as being unemployed or earning less than the minimum threshold, which means a time when you don’t make any payments. During this deferment period, you will not receive qualifying invoices and therefore will not count towards the Duration of the contract. Be very careful to not have an exceedingly long Deferment Period in your contract, as that could keep you on the hook for a very long time. At Holberton, our Deferment Period is 24 months.

How we believe our ISAs are better for students than Student Loans:

Students receive downside protection

Holberton students receive downside protection against unemployment and underemployment. If a student earns less than the minimum threshold or doesn’t have a job, they don’t have to make any payments.  Even better, you won’t be penalized for unemployment or underemployment– there is no interest in our ISA, so the balance will never grow larger. Also, if a student is unemployed or underemployed for the full duration of their ISA (including the deferment period), they will pay nothing for their tuition.

Holberton’s success is tied to its students’ success

Our goal is to train high quality software engineers that are ready for the workforce, and we are only successful if we get people into these high-paying roles. 

ISAs help students find the employment that’s right for them

With fixed payments due after graduation regardless of employment, student loans encourage students to find the first job that pays enough to cover their student loan. With our ISA, not only are students able to take their time and find the best career fit for them, but they’ll be able to take the role that’s most rewarding for them as well, and not be pressured to find the highest paying role.

Percentage based repayment makes repayment fair for everyone

With fixed payments, most student loans take a specific monthly chunk of a student’s post-school income, regardless of their success from the program. Not only that, if a student converts their loan to an income-based repayment loan to make the monthly payments more affordable, it will take the student who is making less even longer to pay off their loan. With interest, the student who is earning less will be saddled with more and more debt, and ironically, it is the student who makes less that will end up paying more on their loan. Our ISA does not do this, so every student who makes payments to their ISA will have the same terms and have the same duration and repayment caps, and no way that suddenly a student will have to owe even more when making all of their required monthly payments. 

Holberton students only pay up to the tuition amount, nothing more

Different schools have different payment caps, and Holberton’s payment cap is equal to its tuition. At Holberton, our focus is on the student’s future. There is no discount for paying tuition upfront as it would favor those that can afford it and make education more expensive for those that don’t. If a student does not pay the full tuition amount by the end for their ISA, that is a loss we take as the education provider, as we share in the risk and successes of our students.

Bankruptcy protection

In the unfortunate event that a student has to declare bankruptcy, student loans are not dischargeable. Simply put, student loans in the USA have been specially protected to survive any bankruptcy proceedings. So, even if an education cannot prepare a student to secure a job, traditional student loans will follow the student regardless of their financial situation. We are proud to state that Holberton ISAs are dischargeable in bankruptcy and we are working to have this same protection extended through all ISAs in the legislation we are working to push through Congress.

We hope this post will help everyone, future Holberton students and anyone else who’s thinking about signing their own ISA, to understand more the terms and nature of ISAs, and what to look for in a good, student friendly ISA.

Holberton School comes to Tulsa, OK!

Today, with assistance from the George Kaiser Family Foundation, Holberton School is announcing our latest campus, Holberton School Tulsa! And at our newest campus, in line with our dedication to improve access to our education, we are introducing both a need-based living assistance program and a discounted Income Share Agreement (ISA) for Holberton School Tulsa students who stay and work local.

Our need-based living assistance program is designed to help Holberton students focus on what matters most: Learning skills that will propel them down a new career path. Holberton students at our Tulsa campus can apply for a need-based $1500/month living assistance program to help pay for their living expenses. We want to help all qualified students make the most of their education here at Holberton, and instead of making education decisions based on affordability, we want to help students make their education decisions on what will help them achieve their dreams.

Our new living assistance program, in partnership with the Charles and Lynn Schusterman Family Foundation, helps us deliver more on the challenge we give to every student who walks through our doors: The challenge to “Define Your Future”. By reducing or eliminating the economic burden to pursue a full time education, we hope to help even more people take their own future into their hands with Holberton School.

This $1500/month living assistance amount is a true game changer for Holberton students, especially in a city as affordable as Tulsa, OK. In Tulsa, where a single bedroom apartment costs approximately $600 per month, students who receive this living assistance will be able to utilize this assistance to cover most-to-all of their living expenses. This is an incredible opportunity for everyone who wants to come to Holberton and launch their career in software engineering.

An additional incentive will also be available to Holberton School Tulsa students who continue to live and work in Tulsa after graduation. For students who fall in love with the city and decide to stay, students could see a reduction in their ISA repayment amount from 17% to 10%. This means that students who stay and work in Tulsa will repay significantly less than if they were to move out of the city. And companies are already eager to hire Holberton students:

Pictured here is Zac Carman, CEO at consumeraffairs.com
“ConsumerAffairs cannot wait to hire engineers from Holberton. Holberton will help close the engineering talent gap in Tulsa which will help us compete regionally. ” Zac Carman, CEO at consumeraffairs.com

The best part is that staying in Tulsa is easy. A generous and welcoming community, Tulsa is not bound by traditional conventions. Nationally recognized as the state’s center for economic development, Tulsa has a diverse economy and employment opportunities in finance, aeronautics, telecommunications, and technology. Companies like Bank of Oklahoma, American Airlines, AAON, Helmerich & Payne, ONEGas, ONEOK, Quiktrip and Williams Companies, have established their headquarters in the metropolitan area of Tulsa.

Once named America’s “Oil Capital of the World”, recent revitalization has transformed Tulsa from a vital hub for America’s oil and gas industry to a diverse, vibrant community with room for all types of passions and vocations to prosper.

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A perfect blend of metropolitan life and open skies. Photo via JustTulsa.com

Tulsa’s fun and vibrant culture and entrepreneurial spirit have built a city that embraces inclusion and champions big ideas. It’s a city that intentionally builds itself around the people already here while making itself available for newcomers. Home to two world-renowned art museums, a booming nightlife, and a diverse food scene, there’s always something to do in the “Center of the Universe”. The city boasts short commute times, more than 125 parks, 180 miles of bicycle and pedestrian trails, and a passion for supporting their local, pro and college sports teams.

And the employment opportunities for Holberton Tulsa students are bright: The “2019 Emsi Report on Computer and Mathematical Jobs in NE Oklahoma” projects an amazing 7,000 additional job postings for tech talent in Tulsa by 2025.

Tulsa will feature many of the same amazing facility perks that we have at our campuses around the world.

These awesome benefits, both the living assistance and the ISA discount, are available to both residents of Tulsa and to students who relocate to Tulsa. And for students to maximize their value from these programs, if the ISA discount will apply for every month they live and work in Tulsa, and any potential repayment of the living assistance program will be forgiven after just 2 years of residency in Tulsa. 

Thinking about how you can Define Your Future? Applications are now open for the January 2020 cohort at Tulsa! Start your application now, and you could start your new future as a software engineer!

Peer Learning, or “What do you mean ‘No Teachers’?”

“We don’t have formal classrooms or teachers — instead, our students collaborate, share their knowledge, and help each other.”

It’s right on our website, but do we really mean it? At face value, it’s a radical proposition: A school that trains top software engineers without teachers, without lectures, and without the classrooms that all of us grew up and loved (or, reasonably loathed). After all, what is a school without a traditional structure and someone else telling you how to learn?

Image result for lecture
Some may learn well in this, but we think we can do better.
Source: https://en.wikipedia.org/wiki/File:Lecture,_NSUEM.jpg

There, in that last sentence, is why we exist. Software engineering is a new field that lives on speed, flexibility, and iteration. It is a field that is constantly updating, and the best software engineers will have to be able to keep up with the times. And these best software engineers will not have the time to return to the classroom and be taught how to learn another language or technology. The best software engineers will be able to self-train, lead and learn from their peers, and keep up with the rapidly advancing and changing field they’re employed in. Beyond an in-depth knowledge of programming and development best practices, these lifelong skills are a key part of our curriculum, and why we teach our students through project-based and peer learning.

After all, If you do get a teacher in the workplace, it won’t be a lecturer but instead a peer or a mentor, and that’s why we teach our students the way we do.

Let’s dig into each of the pieces of our curriculum and share how they build upon each other to help drive a new generation of software engineers.

Project Based Learning

Traditionally, schools teach (usually with assigned reading and lectures), then test. Pop quiz: How much of this lecture-based knowledge did you retain? Project based learning is the concept that instead of being taught through lectures and tests, students are taught through actually doing the work. Proper project based learning isn’t just “here’s a problem, good luck”. A properly built project based learning curriculum carefully builds increasingly challenging tasks upon each other, with guidance on where or how to learn the skills, but leaving the final quest for discovery and application of knowledge to the students. Through this curated exploration, students are taught how to validate sources, test knowledge as they apply it, collaborate with peers to share their best learnings, and to develop and depend upon their own ability to learn instead of waiting for instructions from others.

The goal is not just to help students learn the knowledge that they will need to launch their careers, but also to maintain their careers through the ability to learn. In this way, time spent at Holberton actually mimics the work environment. Yes, Holberton students know how to code extremely well, but they also know how to sit down, use available resources, and to independently pioneer into new technologies. Companies that hire Holberton students are getting more than just a great developer; they are also getting a developer who can flexibly adapt to new languages and technologies in short periods of time.

Holberton students at our San Francisco campus.

This same ethos is built into our application process. Holberton’s whole application process requires no prior knowledge of programming, but instead a willingness and ability to learn. Through automation, our system does not take into account race, gender, age, or even ability to pay. Instead, what we are looking for are people who can learn something new and apply these new skills accurately. Before coming to Holberton our students were everything from professional chefs to musicians, paralegals to fresh high school graduates. What they all share is a willingness to learn. The whole application process is even designed to mimic our project based learning curriculum, and through completing Level 2 of our application process, students will code and launch a website from scratch using emacs, HTML, css, and javascript. So if you’re curious how our project based learning works, we welcome you to start an application today.

Peer Learning

Peer learning, or “learning by teaching” is an established method to improve retention and understanding of topics. When students teach other students, they show an increased retention of information and understanding of the core of the material. Through our curriculum, students are encouraged to share what they’ve learned through Peer Learning Days, where students will work cooperatively through problem(s) at a whiteboard. Ideally this process is entirely self-led, but our TAs and staff may step in to provide clarification, challenge students to “teach” back to the staff, or shape the conversation for maximum benefit. 

Peer learning in action

Students will also engage in group and pair projects, where they are placed together to tackle some of our more challenging tasks. Programmers often work as part of a team, and so our curriculum is specifically designed to mimic the work environments that students will find themselves in later on in their careers. Under these conditions, Holberton students learn when to be a team member, when to be a team leader, and how to step between these roles for the maximum benefit of the project they are working on.

Define Your Future

Holberton’s goal is to get people with no prior coding experience into new career that matches their ability. Our admissions process finds those who have the talent to learn without bias. Our curriculum removes the barrier of prior experience. And the use of Income Share Agreements removes the need to obtain credit for our education. We want to find people who have the untapped potential to succeed as software engineers, and train them not only in the core technologies they will use to get their first programming job, but help them develop the core soft and personal development skills that will turn their first job into a lifetime career. But, most critically, everything we do helps students realize their own potential and leverage their own personal strength to become great software engineers, which is why we invite everyone to Define Your Future.

Want to read more? Check out our other Introducing Holberton articles below:
Introducing Holberton #1: Checker & You

Chitra Rajeshwari Joins Holberton School Board of Trustees

Chitra Rajeshwari

Holberton School, a college alternative educating the next generation of digital workers, today welcomed Chitra Rajeshwari, executive director of Avasant Foundation, a private not-for-profit organization that empowers youth in emerging economies through education, employment, and entrepreneurship, to the board of trustees.

Rajeshwari joins the board to focus on the school’s sustainability, innovation, and its impact on society as a whole. Rajeshwari has been a leader in a number of industries, including banking and travel. She is joining the board of trustees to help Holberton bring affordable, quality education to the many, especially in growing economies across LATAM and Africa.

“Nearly 70 million youth are unemployed worldwide, and that number is only expected to rise further. Looking more broadly at the role of women in labor markets, we found a disturbing trend: the continued uneven progress toward workforce inclusion. The global rate of young women’s participation in the labor force has dropped to 48.5%. It’s imperative that we focus on getting more young people, especially women, into the labor force in order to dramatically improve their lifetime opportunities,” said Rajeshwari. “Businesses are desperate to hire more software engineers and we have a rare opportunity to bring Holberton’s world-class technical education to young people across the emerging markets to help them access today’s life-changing opportunities.”

Rajeshwari joins our collective of trustees which includes Grammy award-winner NE-YO, actor and social activist Priyanka Chopra, CloudNOW CEO Jocelyn DeGance Graham, Upwork CEO Stephane Kasriel, and Docker co-founder Solomon Hykes. 

“Our mission is to bring high-quality education to people and areas that may not have the opportunity — whether it’s because of geography, money, age, gender, ethnicity or even learning style,” said Julien Barbier, CEO and co-founder of Holberton. “Each of our trustees brings a unique set of skills, knowledge, and leadership to our program. We are excited to welcome Chitra who will help us expand even more rapidly into growing economies.”

Please join us in welcoming Chitra to the Holberton community!

Welcome Holberton School Cali!

Our third campus in Colombia, Holberton School Cali will be training the next generation of Colombian software engineers to help drive Colombia’s digital revolution.

If you’re thinking about how you can get a world-class software engineering application, apply now!

Our newest campus is located in Cali, the third- largest city in Colombia with a population of 3.4M and is home to many of Colombia’s top tech companies like Carvajal, Open Software, Delima, Datecsa, Eficacia, Colombina, Tecnoquimicas, Lafrancol, and more. Within Cali, our newest campus will be located at the local Zonamerica, a special Free Zone to encourage the development of global tech services and multinational companies in Colombia. 

Students who attend class at Holberton School Cali will receive the same Silicon Valley-level software engineering education that helped get students employment at companies like Apple, Facebook, Google, Nvidia, and more. And with ourt special curriculum, which is designed to help people become world-class software engineers even without prior coding experience, Holberton will provide more incredible economic opportunities to the population of Cali.

Students who are accepted through our blind application process, which doesn’t test on existing coding knowledge but instead tests the ability to learn, will have the opportunity to join a worldwide cohort with students on three continents. Students at Holberton School Cali will be able to cooperate and learn in parallel with students in San Francisco, New Haven, Bogotáa, Medellíin, and Tunis. Not only will our students learn the fundamentals of programming and the ability to think like an experienced programmer, but they will learn critical international cooperation skills, be able to sharpen their English speaking and writing ability, and the ability to train others who are of a similar skill level. All of these skills will help Holberton students at Cali springboard their career the most well paying job opportunities around.

The Cali campus will feature many of the same great amenities as our other campuses, including collaboration spaces, conference rooms, rest areas, and places to watch content streamed from our other campuses worldwide. The Cali campus, with its location in Zonamerica, will place students in the center of Colombian technological development for the international market.

If you’re currently in Colombia, you’ll want to start your application now. The close date for September 2019 cohort is approaching rapidly, so if you want to be one of the first in Cali to achieve your dream and Define Your Future, start your application today!


To read our press release on our new expansion, please click here.

Holberton School Arrives in Tunis!

We’re proud to announce that our newest addition to Holberton, Holberton School Tunisia, is now open and accepting applications! 

Start our application process now to be ready for the September Cohort: Apply here


Located in Tunis, Holberton School Tunis is our first campus in Africa. In this city of 2.6 million people (across the greater metropolitan area), we are excited to be part of the digital future of Africa with Tunis leading the way. By bringing the exact same curriculum that has helped people with no prior coding experience land jobs at companies like Facebook, Apple, Tesla, and more, our education will complete an already strong education system to help Tunisia develop their own local, Silicon Valley level software engineers.

VERMEG has committed to hire 30 Holberton Students

This vision for the future of Tunisia has already attracted top Tunisian companies like VERMEG. VERMEG is a leading international financial and regulatory software services firm with over 1100 employees worldwide in 40 countries. Headquartered in Tunis, this exciting company has already committed to hiring 30 Holberton students. This highlights the quality that top tech companies see in our curriculum and the engineers that come from Holberton school.

Our curriculum will help develop the new wave of technological innovators and leaders in Tunisia. With 70% of the Tunisian population under the age of 29, a high-quality, innovative approach can help a huge portion of the Tunisian population prepare for the careers of today and tomorrow. And with our blind admissions process, which looks not at what people know about software engineering or anything about their race, gender, or background, but is specifically designed to help find the people with the potential to learn the Holberton way. In other countries around the world this has enabled us to bring in underrepresented populations into technology, and with Tunisia’s amazing 50% of professional Information and Communication Technology roles being held by women, Tunisia may be poised to have one of the most gender-equal software engineering populations in the world. Through this same curriculum in the USA, Holberton has helped people from farmers to retail workers to artists and musicians obtain high-paying software engineering jobs, and we hope to bring these same successes to Tunisia.

The curriculum is also designed to prepare students for international business. With a worldwide usage of English, the common language of software engineering, Tunisian students will be able to practice conversational English with cohort partners around the globe. Tied with a program that also targets soft skills development, the software engineers that graduate from our program are ready to engage in international business and cooperation.

To support the students’ learning environment, the Tunisia campus will feature many of the same amenities as our San Francisco campus, like 24/7 access to students, high-speed internet, meeting rooms, auditoriums, and rest and relaxation areas. All of these are present to help students make the most of their education, and prepare themselves for a career in software engineering.

If you’re in Tunisia and you want a better career or a high-tech future, begin our application process today. It’s free to apply, so if you’re ready to be part of the digitization wave of Tunis, don’t miss this opportunity to be a member of the first cohort at Holberton School Tunisia!

If you are a journalist and would like to learn more about our curriculum and how we’re planning to bring our Silicon Valley education to Tunisia, email us here.

To get all the latest news of our Tunisian campus, make sure to follow us on social:

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Alan Turing’s Birthday

Alan Turing, Age 16

Born June 23rd, 1912, Alan Turing would have been 107 this week.

Although he’s been immortalized in media (The more biographical The Imitation Game starring Benedict Cumberbatch, or more fictionalized and incredibly more technical novel Cryptonomicon by Neal Stephenson), this man’s vision for the future of computing, and passion for math, basically defined modern computing. He developed the Turing Machine, the idea of a computer that, through well-applied math and logic, could basically handle any computation required of it.

Basically, he envisioned the modern computer.

True Turing Machines were only hypothetical in his lifetime (EINAC, the first electronic general-purpose computer, considered “Turing Complete” and programmed by our namesake Betty Holberton, was not powered on until the year after his death), but they represented an important first step towards the future of computing, and one that we take for granted: That a machine could be programmed to handle different tasks, then compute those tasks logically. Or, even more radically, that a machine could be programmed with a program that resides in digital memory, and that program could be changed as needed.

Bletchy Park, where Alan Turing helped create a machine to decode Enigma transmissions, directly helping the Allied war effort in WWII

He was also an early proponent of Machine Learning, and effectively, AI. The “Turing Test” is the benchmark for AI performance: The development of an AI that communicates so well that humans would not be able to tell it is a computer. He also wrote the first videogame, Turbochamp, that was simply too complex for any computer at the time, but was the first time a computer could play (with albeit a low level capability) an entire game of chess. The program would observe the human move, compute the next step options, weigh out the next logical play through a weighted decision tree, then adapt to the next human move. His vision was then to add in the capability of the program to track its wins and losses, and compute the value of its moves to ever refine itself and become a more capable opponent. Or, as we know it know, Machine Learning. 

A statue of Alan Turing.

His vision to see what computers could be capable of basically any computation basically changed modern society, just as his codebreaking in WWII literally saved thousands of lives and directly contributed to the defeat of the Nazi regime. Unfortunately, Alan Turing, who was homosexual in a time that it was a criminal offense in the United Kingdom, committed suicide at the age of 41, just a few years after pleading guilty to “gross indecency”. During this Pride week, we hope everyone can see how far we’ve progressed in LGBTQ+ rights, and just as importantly, remember the contributions of a singular man who envisioned basic groundwork of the technology all of us use each and every day.

Keeping Income Sharing Agreements Fair and Accountable

If you haven’t seen the letter that we cosigned, we recommend you check it out: We have the entire letter at the end of this blog post. If you have, we’d like to share the “Why” behind our support of this statement.

We believe Income Sharing Agreements (ISA) are part of the future of student funding for their education. When properly set up, ISAs have incredible benefits:

  • ISAs tie student success to school success. We invest in our students by providing them an education and they only contribute back financially if they are professionally successful.
  • ISAs help expand education to more students who may not otherwise be able to afford a post-secondary education. Since ISAs are not loans, people who come from disadvantaged backgrounds are able to achieve success relative to their capability or drive, and not to their ability to secure a loan.
  • ISAs eliminate the lifetime of student debt. Because the repayment period is limited in time, after a certain number of payments have been made, the repayment ends regardless of the remaining balance.
  • ISAs help us set a success floor. Until students hit a minimum income threshold, no payments are due.

But, as with anything that works this well, bad actors may appear. We’re proud of what ISAs can do, but in the hands of predatory lenders, we may just end up with Private Student Loan Debt 2.0: the exact opposite of our vision.

As a part of creating this letter sent to leaders of both parties and both branches of Congress to ask something simple, and honestly respectable, of any new industry: We want regulation that protects students. With ISAs, we’ve been able to serve an incredibly diverse population, with 60% of our student body being people of color. Also, with 37% of our student body as part of the first generation in their family to attend a post-secondary school, ISAs promote upward economic mobility. ISAs, combined with our blind admission process and unique curriculum, helps us break open the stereotypical racial and economic demographics of the tech workforce:  As of today, 100% of our graduates find employment opportunities in three months at an average starting salary of $108,000.

We hope this letter in Washington helps spark bipartisan cooperation and support for regulation that protects our students of today and tomorrow.

The original letter, as sent to both branches of Congress, follows:


Guillaume Salva, CTO and FIRST GitHub Certified “Campus Advisor” in the San Francisco Bay Area

And not only first. As of June 17st, 2019, he is also the only GitHub certified “Campus Advisor” in the entire San Francisco Bay Area:

Map of San Francisco Bay area showing only one Campus Advisor icon.
Sometimes it’s lonely being the first

To further our commitment to providing the best education and opportunity to our students, our staff are constantly exploring new ways to gain more knowledge, toolsets, and capability to help our students make the most of their education, and thus Guillaume’s steps to become the first GitHub Campus Advisor in the SF Bay Area.

So, to learn more about this, we sat down with Guillaume to talk about being a GitHub Campus Advisor.

Guillaume Salva, CTO

How did you find out about this?

The first day at Holberton School, we ask students to create a GitHub account for all their scholarship at Holberton. By testing the user flow as part of our normal curriculum tuning, I realized that students can have advantages within GitHub if they define themselves as students. So I looked deeper on the Education program of GitHub to see how we can work with GitHub for our students and not just be a regular customer of it.

What benefit do you feel this brings to the students?

One important benefit is the classroom feature of GitHub Education. Indeed, we have only one project at Holberton for basic Git commands but nothing about “complex” git usage or GitHub collaboration features. We are starting to add additional projects entirely based on GitHub Classroom and with GitHub resources for our students. The second part is the Pack: credits to access online services: AWS, Algolia, DataDog, etc. It allows our students to explore new tools for building personal projects, which are critical to springboarding their careers..

Students whiteboarding at our San Francisco campus

What did you do to get qualified?

I applied, took their courses about git and submit all their challenges for becoming an advisor.

Was it a challenge, or was it fun?

Challenges were quite interesting, but to be honest, they were a little basic for me. I’ve been using git and GitHub for the last seven years. One thing I uncovered was that the way of validation was manual. Since I’m totally behind driving efficiency and automation, in the last interview with the GitHub staff, we talked about ways to improve the process I went through. They were incredibly receptive to my feedback! I’m extremely glad there are companies like GitHub and organizations like GitHub Education who are working hard to improve collaboration and workflows for software engineers; professional and student alike.

Students collaborating though our Peer Learning process

Did you feel like you improved through the process?

Mostly it was review: It was more a validation of my git knowledge and I’m pretty sure it’s what the GitHub education team wants to do. After all, when they’re looking for a campus advisor, they’re looking for someone who’s already an expert. After, I did take a look at all resources about git and GitHub – they are really awesome and will be incredible helpful for our students.

I did learn some tricks on the git modules section, but programming is about learning something new every day!

What’s your vision for the future? Are there any more speciality certifications you’re looking at pursuing?

For me and my team, yes. We’re always looking at ways we can gather more knowledge to both improve the technical tools of Holberton and the technical skills of our students. But with GitHub, I would like to have some students, like our teacher assistants, to pursue Campus Expert certification. It’s something I feel would be extremely valuable to the TAs and the student body as a whole.

To learn more about becoming a GitHub campus advisor and what they bring to the student experience, click here!

Holberton School NHV recognized by US Senator as “Innovator of the Month”

We’re proud to announce that Holberton School New Haven, one of our US campuses based in Connecticut, has just been recognized by Senator Chris Murphy (D-Conn.) as “Murphy’s Innovator of the Month.”


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“When I visited Holberton School New Haven, I was blown away by the way they’re transforming education.” -Senator Chris Murphy


In partnership with District Innovation and Venture Center (DIVC), a Connecticut based non-profit, we opened up our first remote US campus in New Haven. This campus addresses the shortage of qualified and diverse tech talent in Connecticut. Currently there are over 2,500 open software engineering jobs in the state, but in 2016 CT-based institutions only graduated around 430 students with Computer Science degrees. The training provided by Holberton helps to close this talent gap, and we are looking forward to our program’s graduates being a core part of Connecticut’s plan for future economic development.

This recognition validates that the hard work of our students and staff is making waves and inroads, while bringing economic growth and change to the local communities Holberton is a part of.  

To read the full press release from Senator Murphy’s office, please click here.