For the an enthusiastic ISA, a borrower agrees to pay right back a predetermined show off her money getting a fixed number of years, in return for money to cover this lady education. Individual ISAs have never build beyond a distinct segment unit from the U.S., and i assume they never commonly. [ii] As to the reasons? It is nearly impossible to possess individual buyers to track earnings. The federal government, from income tax system, has got the novel ability to each other scale and you may assemble in the earnings of You.S.