The ISA agreement has an additional period of one month after conclusion and payments are only necessary if the participants are in a job that reaches or exceeds the threshold of 40,000 USD. A sample of ISAs in different data science programs will continue to examine how agreements work and will allow comparison of different approaches to structuring ISAs. Readers are advised that these conditions may change and it is always advisable to review each school`s current ISA agreement. Even if everyone gets the same interest rate, credit discriminates intensely based on the dimension that really matters: accessibility. Under a credit program with the same conditions for all borrowers, one group that, despite identical qualifications, earns less than another, obtains a proportionally lower income than the other group after the repayment of that loan. As any systematic difference in income between two groups is unfair, credit accentuates injustice. . . .