Understanding your payment commitment with MOSS
No payment required to start learning
Payment period after employment
No payment if you don't find a job
This Income Share Agreement ("ISA") is a commitment between you (the "Student") and MOSS to align our success with yours. You pay nothing upfront, and only pay after securing employment that meets minimum income requirements.
Payments begin only when you secure employment with annual gross compensation of $35,000 or more. If your income is below this threshold, you owe nothing.
You agree to pay 8-15% of your first-year gross salary, determined based on your specific program and final placement. The exact percentage will be specified in your individual ISA contract.
Payments are made over 12 monthly installments beginning 30 days after your employment start date. After 12 months, your obligation is complete—no lifetime debt.
Scenario: You land a job with an annual salary of $80,000 and your ISA rate is 10%.
If you do not secure qualifying employment (earning at least $35,000/year) within 6 months of program completion while actively engaging with our job placement support, you owe $0. Your ISA is voided with no payment obligation.
Qualifying employment includes:
We understand life circumstances can change. Payment deferrals are available if:
The 12-month payment period extends by the deferral duration, but your total payment amount never increases.
You agree to provide documentation of employment and income (such as offer letters, pay stubs, or tax returns) within 30 days of securing qualifying employment. This information is used solely to calculate and verify ISA payments.
You may pay off your ISA in full at any time without penalty. Early payoff does not result in discounts or rebates—you pay the full calculated amount based on your first-year salary.
Failure to make required payments or provide employment verification may result in collection actions. We will work with you to establish payment plans before pursuing legal remedies. Late fees may apply after 30 days of non-payment.
Your ISA is a personal obligation and cannot be transferred or assigned without our written consent. We reserve the right to assign or sell your ISA to third-party servicers, who must honor all terms of this agreement.
This ISA is governed by the laws of the State of Delaware. Any disputes shall be resolved through binding arbitration as outlined in the Terms of Service.
We're here to help you understand your commitment. Contact us at:
Email: isa@moss.ai