; and (2) such early completion mechanism shall not be treated as a form of acceleration prohibited under subsection (a), an early completion penalty, or a prepayment penalty. 102. Consumer protections for educational income share agreements (a) Monthly payment affordability for educational ISAs (1) Maximum ISA income obligation for educational ISAs An ISA provider shall not enter into an educational ISA with an ISA recipient if the ISA recipient would be committing more than a total of 20 percent of the student's future income toward the payment of such educational ISA and all other educational ISAs of the ISA recipient. (2) Self-certification In calculating the portion of a student's future income for purposes of this subsection, the ISA provider may rely on a self-certification from the ISA recipient regarding the ISA recipient’s outstanding educational ISAs, as of the date of the agreement. (3) Calculation methodology and requirements (A) In general For the purposes of calculating the portion of an ISA recipient's future income that would be consumed by the educational ISA for which the ISA recipient has applied and all other educational ISAs of the ISA recipient as of the date of the agreement, the ISA provider shall calculate the aggregate future burden— (i) in any case where the income threshold of the educational ISA is less than the maximum described in subparagraph (B), at hypothetical future income levels from such income threshold to such maximum, in increments of $10,000; and (ii) in any case where the income threshold of the educational ISA is equal to or greater than such maximum, at such income threshold. (B) Maximum The maximum described in this subparagraph shall be the greater of— (i) (I) for fiscal year 2023, $70,000; or (ii) for fiscal year 2024 and each subsequent fiscal year, the maximum for the preceding fiscal year— (I) increased by the percentage increase in the consumer price index; and (II) rounded to the nearest $1,000