Getting a credit limit of 10k is tougher than 2k but you're right, there are other ways to finance learning. We think there are a couple reasons why more people might like our model: 1) the income share agreement means that they aren't stuck with payments when they can't afford to make them. We find that many students are averse to traditional debt like this, rational or not. 2) we give structure to the learning in a way being on your own in the wild is hard to replicate. Having a defined set of things to do and being paid to accomplish them in the right order, we think and may be wrong, that at scale, this will lead to more people finishing the required steps to learn material.

edit: grammar