Why This Approach?

We don’t currently have a way to finance high-quality education, particularly vocational reskilling, at the scale required.

Savings? Try that if you’re living paycheck to paycheck.

Loans? Good luck with that if you have poor credit history. And even if you can take out a loan, congratulations – you’re rewarded for that with decades of crippling debt.

Government Lump-Sum Funding? It’s often not possible for economic or political reasons.

Philanthropy? It’s great, but it’s too limited for the scale we’re talking about.

How about Income-Share Agreements or Social Impact Bonds? They’ve been beset by problems.

Forte, which utilizes Tradable Income-Based Securities (TIBS), has all the advantages of existing approaches, with none of the downsides.

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