First, none of these are factors for being eligible for an ISA: age, sex, race, sexual orientation, religion, national origin or being part of a protected class.
That said, there are minimum requirements because an ISA isn't a “loan” or “debt”. It's our investment (of time, money and resources) in you to boost your earning ability.
So we assess your Attitude, Aptitude, Ambition and Accountability to gauge your future potential.
ISAs are also only available to people who live in the US, who are US Citizens or US Permanent Residents.
And, since we want to make sure your ISA payments are always manageable, we may consider any other pre-existing financial obligations you have (including whether you have any other ISAs). Those can make it harder for you to manage your ISA payments.
Lastly, we may also look at whether you have any recent garnishments, lien attachments, judgments or tax liens, have recently declared bankruptcy or whether there are any unsatisfied suits or judgments pending against you.