if you have received additional education financing, including other income share agreements, Department of Education Direct or FFEL Loans, or private education loans. . (2) Disclosures upon approval of an ISA Upon approval of an educational ISA by an ISA provider, the ISA provider shall disclose the information required under section 302(d) and the following information: (A) ISA payment calculation method (i) The ISA payment calculation method that applies to the educational ISA. (ii) In the case of an ISA payment calculation method that is based on a schedule of percentages— (I) an explanation of how the schedule of percentages is calculated using percentages of income based on the ISA recipient’s income