Got it, very cool! For any students that want to freelance after they graduate, feel free to have them ping me, [email protected] (or apply directly on the site). We mainly use more experienced folks but I'm sure there are some projects where an enthusiastic new data scientist would be useful

Edit: I'm also really glad you're not selling ISAs. To me the direct connection/ownership of the debt is what really aligns the parties, not the ISA itself. Once it's sold off to a third party debt collection agency of course there is still some alignment but I think the connection gets fuzzier.