I keep hearing about income share agreements, but are they legally riskier than taking out a small personal loan to pay for a cheaper coding bootcamp?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I keep hearing about income share agreements, but are they legally riskier than taking out a small personal loan to pay for a cheaper coding bootcamp?
3 real searches · 1 real-search pass
United States income share agreements legal status consumer protection CFPB FTC state laws 2025 2026Google ↗
OBSERVEDOther / navigational
income share agreement bankruptcy discharge loan versus ISA legal classification court cases United StatesGoogle ↗
OBSERVEDReason
CFPB income share agreements consumer advisory coding bootcamp contract risksGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
United States income share agreements legal status consumer protection CFPB FTC state laws 2025 2026 Google ↗
income share agreement bankruptcy discharge loan versus ISA legal classification court cases United States Google ↗
CFPB income share agreements consumer advisory coding bootcamp contract risks Google ↗
- BloomTech Inc., d/b/a Bloom Institute of Technology or BloomTech, f/k/a Lambda, Inc.; and Austen Allred · consumerfinance.gov
- CFPB Takes Action Against Coding Boot Camp BloomTech and CEO Austen Allred for Deceiving Students and Hiding Loan Costs · cfpb.website
- Applying State Consumer Finance Laws to Income Share Agreements · protectborrowers.org
- State Partners and CFPB Sue Prehired For Illegal Student Lending Practices · consumerfinance.gov
- What are the different ways to pay for college or graduate school? · consumerfinance.gov
- Paying for School and Avoiding Scams · consumer.ftc.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
United States income share agreements legal status consumer protection CFPB FTC state laws 2025 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
income share agreement bankruptcy discharge loan versus ISA legal classification court cases United States OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB income share agreements consumer advisory coding bootcamp contract risks OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |