Aggregate limitation on obligation No eligible individual may enter into any income share agreement if the total percentage of the future income of the individual that the individual agrees to pay under that contract, and any other income share agreements of the individual, exceeds 15 percent of the future income. (5) Time-based limitation on obligation (A) Limitation The income share agreement may not provide for the individual subject to the agreement to assume a commitment to pay future income having a commitment factor, that when added to the commitment factors for any other income share agreements to which the individual is subject, equals a sum that exceeds the maximum commitment factor. (B) Commitment factor As used in this paragraph, the term commitment factor means, with respect to an income share agreement, the product of— (i) the percentage (expressed as a decimal) of the future income required to be paid during the period covered by the income share agreement