Today, institutions of higher education may charge whatever they wish for the education they provide, and the government provides the capital for student's tuition through loans without institutions bearing any meaningful risk if students do not repay. Naturally, this drives up costs and borrowing. On top of tuition and fees, students can borrow for living expenses, study abroad, and more which can quickly lead students to rack up more debt than they can afford. To begin to address these challenges, Congress could make income share agreements (ISAs) provided by each student's institution the primary (or sole) federal financing option available to students. Like all income share agreements, students with a risk-sharing income share agreement (rISA) would have their education paid for upfront in exchange for repaying an affordable percentage of their income for a predetermined number of months thereafter. Ultimately, all parties should be able to support financing arrangements that ensure students can afford their monthly payments; open doors to new, career-aligned educational offerings; and empower institutions to design arrangements that work for their students. These changes alone could revolutionize higher education opportunity in America.