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We here at Access and Opportunity are hard at work on the next iteration of this show. There will be a lot that’s new, but the heart of the show will always be uplifting the voices and work of those pushing a path forward towards a more equitable future. So today, we’re revisiting our 2021 conversation with educator Betsy Mayotte to discuss how having the right information at the right time can make navigating the student financing industry more manageable.But first we'll hear from Farrukh Siddiqui, an entrepreneur whose company uses income share agreements, or ISAs, to help student borrowers get out of debt. Come on and join us for the ride.DisclaimersThe guest speakers are neither employees nor affiliated with Morgan Stanley & Co. LLC. (“Morgan Stanley”). The views and opinions expressed herein do not necessarily reflect those of Morgan Stanley. The information and figures contained herein has been obtained from sources outside of Morgan Stanley and Morgan Stanley makes no representations or guarantees as to the accuracy or completeness of information or data from sources outside of Morgan Stanley. Morgan Stanley is not responsible for the information or data contained in this podcast.This podcast does not provide individually tailored investment advice and is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.Apple®, the Apple logo, iPhone®, iPad®, and iPad Air® are trademarks of Apple Inc., registered in the US and other countries. Apple Pay® and iPad mini® are trademarks of Apple Inc. App Store® is a service mark of Apple Inc.© 2024 Morgan Stanley & Co. LLC, Member SIPC. All rights reserved. CRC 3906185 10/2024