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Dagon comments on Human Capital Contracts - Less Wrong Discussion
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What parts of this are legal now? Why does nobody do it?
It would seem quite feasible for a lender to offer a contract that can be repaid by conventional means or fraction-of-taxable-income means, whichever is lower over the lifetime of the loan. If the conventional part is somewhat higher than the competing pure-conventional rates, there is incentive for the lender to offer such, and all the above applies to the borrower.
This might be of interest to you:
https://fantex.com/
Fantex sells human capital contracts for professional athletes.