; (B) has the same term to maturity as the duration of the income-share agreement; and (C) is fully amortized over such term with monthly payments of principal and interest. (2) Income-share agreement The term income-share agreement means an agreement— (A) between an individual and an ISA funder; (B) which meets the requirements of section 102; and (C) under which— (i) the ISA funder pays amounts to, or on behalf of, such individual for costs associated with a postsecondary training program, or any other program designed to increase the individual’s human capital, employability, or earning potential (and not limited to programs eligible to participate in programs under title IV of the Higher Education Act of 1965), as well as any personal expenses (such as books, supplies, transportation, and living costs) incurred by the individual while enrolled in such a program, or for the refinancing of debt used for these purposes (hereinafter in this Act referred to as income-share funding ); and (ii) such individual pays to such ISA funder (or the ISA funder’s successor in interest) amounts equal to a specified percentage of the individual’s future income, for a defined term (hereinafter in this Act referred to as income-share payments ). (3) ISA funder With respect to an income-share agreement, the term ISA funder means the party to such agreement who— (A) pays amounts to, or on behalf of, an individual solely for the purposes specified in paragraph (2)(C)(i)