Determine how schools can support more students while ensuring financial sustainability

Both students and schools today are struggling with financial decisions. Students are overwhelmed with the options to finance their education and are often left with no good options to secure their education. Institutions are trying to make the best use of limited funds, oftentimes being unable to serve all the students they want to.


Utilize ISAs to support and align student and institutional success, at the same time

ISAs are a financial solution that enable schools to help more students enroll and stay in school while also supporting institutional financial objectives. Thoughtful ISA programs can eliminate the painful trade-off between access and sustainability so many higher education leaders face, and serve as a powerful complement to other student success initiatives.

How ISAs Impact Schools and Students

Vemo helps institutions reach their access and affordability objectives with ISA programs.
Increase Access for Students
Accelerate Completion
Improve Retention

A growing number of institutions are utilizing ISAs to align student and school success.


ISAs in Action

Let's see how they work.

Strategic Access Initiatives

Strategic Tuition ISAs:

Institutions are using ISA programs to signal valuable outcomes that differentiate their programs and increase enrollment.

Degree Specific ISA Programs:

Institutions are using ISA programs to attract students to under-enrolled degree programs by eliminating financial barriers to enrollment and aligning cost and value.

Come Back and Complete:

Institutions are using ISA programs to attract and enroll adult students who have some college credit, but no credential by using a non-loan alternative that links directly to their post completion success.

Strategic Tuition ISAs

Retention and Completion Programs

Last Mile Funding:

Institutions are using ISAs as an alternative to high cost private student loans to fill the gap, as the amount of unmet need continues to grow.

Financial Aid Appeals:

Institutions are complementing their institutional appeals process with ISAs so they can help more students and diversify the options available to students.

Summer & Intercession Terms:

Institutions are using ISA programs during summer or intercession terms to help students stay on track, catch up, or accelerate completion.

Retention and Completion Programs

Equity and Inclusion Programs

Non-Title IV Eligible

Institutions are using ISA programs to help students who have exhausted or are otherwise not eligible for Title IV financial aid or in an ineligible program.

Alternative Access

Institutions are using ISA programs to reach unique populations of students for whom current funding options are not a good fit, such as those with strong aversion to traditional loans.


Equity and Inclusion Programs

How Our Services Help Schools Achieve Their Goals

At Vemo, we help colleges and universities design, implement, and maintain impactful ISA programs for their students.
Higher Education

Program Design

Thoughtful program design and financial modeling that accomplishes institutional goals while also being a favorable option for students.

Skills Training

Turnkey Servicing

High-quality, onshore servicing of student accounts along with sharing best practices.

Higher Education

Leading Edge Platform

Technology that empowers stakeholders with real-time administrator dashboards and an easy-to-access student portal.

Skills Training

Ongoing Data-Driven Guidance

Analytics and data insights that help schools monitor, evaluate, and improve annual performance and quality of educational programs.

The Latest on ISA Trends

Get the latest on ISA trends and insights.