The total amount paid by learners with ISAs is dependent on (1) the ISA you choose and (2) your post-BloomTech income.
If your total earned income is less than $4,166 per month (the monthly equivalent of $50,000 annually), you do not pay BloomTech anything. If your total earned income is at least $4,166 per month, the most you will pay is either $37,950 ($7,950 deposit + $30,000 ISA cap) or $42,950 ($2,950 deposit + $40,000 ISA cap).
Because ISA payments are based on income and the maximum number of monthly payments is either 36 or 48 (depending on your ISA), any learner who elects to use an ISA might pay less than the maximum amount.
Once you have (1) paid the maximum amount of $30,000 or $40,000 (depending on your ISA) - excluding down payment and late or failed payment fees, (2) complete your 36th or 48th monthly payment (depending on your ISA), or (3) defer payment for 48 total months, whichever comes first, you are free of obligation under the ISA.
Below are two charts illustrating the total amount you will pay under each ISA option in various earning scenarios.
Table 1 - $7,950 down payment + $30,000 cap ISA ($37,950 total payment cap)
Table 2 - $2,950 down payment + $40,000 cap ISA ($42,950 total payment cap)