An ISA is like a kind of insurance against poor return on your educational investment. If you end up earning less, then your education will have cost you less (source) because the amount you repay will also be smaller. Excellent.

Bonus: if you manage to cover all of your educational expenses through ISAs, then you won't have to deal with student loans at all. We especially recommend that you steer clear of private student loans, which have notoriously steep interest rates. In fact, you might want to practice affecting sympathy for when your friends tell you their Sallie Mae horror stories.

Trust us, they're not pretty.