; 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) under which— (i) the ISA funder credits towards the tuition or other obligations of, or 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 as programs under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.)); and (ii) such individual pays to such ISA funder (or the ISA funder’s successor in interest) income-share payments for a defined term; and (C) is not a loan. (3) Income-share funding The term income-share funding means— (A) 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 as programs under title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1070 et seq.)); and (B) an allowance for books, supplies, transportation, and miscellaneous personal expenses, including a reasonable allowance for— (i) the documented rental or purchase of a personal computer; or (ii) the refinancing of debt used for the costs described in this subparagraph. (4) Income-share payment The term income-share payment means an amount equal to a specified percentage of the future income of an individual. (5) ISA funder With respect to a Qualified ISA, the term ISA funder means the party to the Qualified ISA who— (A) credits towards the tuition or other obligations of, or pays amounts to, or on behalf of, an individual solely for the purposes specified in paragraph (3)(A)(i)