Model Repayment.
Build the plan.
Deliver it.
Finology Software is the student-loan-lifecycle platform for financial advisors — drag in your client's NSLDS file, model every IDR plan, track PSLF progress, and ship a client-ready report in a single sitting.
Have confidence in every recommendation.
End-to-end student loan software that helps CFPs, CCFCs and CSLPs plan, simulate, and optimize repayment strategies — guiding clients through every stage of their journey.
Drag and drop client data.
Your client downloads their MyStudentData file from studentaid.gov and sends it over. Drop the .txt into Finology Software — every loan, servicer, plan, and payment count is parsed and ready to plan against in seconds.
OBBB-ready, day one.
Repayment Assistance Plan modeling, AGI thresholds, family-size adjustments — updated as the rules evolve.
Side-by-side IDR.
Up to four plans in parallel — lifetime cost, forgiveness, tax bomb.
Every PSLF payment.
120-payment progress across job changes, deferments, and consolidations.
Client-ready reports.
Branded PDFs your client can take to their servicer the same day.
One workflow for the entire student loan lifecycle.
Import. Simulate. Track. Report. Every tool an advisor needs to guide a client from "I have no idea" to enrolled in the right plan.
Drag, drop, done.
Send your client a one-click instruction: download MyStudentData from studentaid.gov, send the .txt back. You drop the file into Finology Software and every loan, servicer, plan, and payment count is parsed in under three seconds.
- Drag-and-drop NSLDS file parsing
- Auto-detects loan type, plan, and qualifying payment count
Up to four scenarios, side-by-side.
Model PAYE, IBR, ICR, and the new Repayment Assistance Plan (RAP) in parallel. Adjust income, family size, filing status, and forgiveness assumptions — math updates live.
- All current federal IDR plans
- Lifetime cost & forgiveness math
- Income-growth and tax-bomb modeling
Every qualifying payment, accounted for.
Track 120-payment progress across job changes, deferments, and consolidation events. Generate ECF-ready exports your clients can send to MOHELA.
- Servicer + employer change history
- Buyback eligibility flags
- ECF & PSLF form export
Compliant, branded, client-ready.
Export any plan as a polished PDF — your firm's logo, your disclosures, side-by-side scenario tables, and a one-page action plan the client can take to their servicer.
- White-labeled to your firm
- Compliance-reviewed templates
- Editable action steps
Sarah Mitchell
Used by firms that take student-loan planning seriously.
Etch Financial has changed the financial planning landscape by being one of the first RIAs devoted to individuals with student loan debt. A core component of our strategy is leveraging Finology Software to create mini-financial plans for clients and give them confidence they're making the right choices with their federal student loan debt.
Finology Software doesn't just handle finances—they empower clarity. Their guidance helped me make smarter decisions with total confidence.
Using Finology Software has been an excellent way for us to incorporate student loan planning into our broader holistic financial planning process. Most planning software doesn't have the capability to do detailed student loan calculations, so Finology Software is much needed!
Free is the
most expensive
tool you own.
Spreadsheets, public calculators, outsourced consultants — every alternative looks cheaper and easier on your valuable time.
Then you realize you're creating a path to the primary trusted advisor — and it isn't you.
- Designed for advisorsMissing
- PII / GLBA complianceMissing
- Client-ready visualsMissing
- Branded PDF reportsMissing
- PSLF trackingMissing
- OBBB / RAP rules currentMissing
- Designed for advisorsMissing
- PII / GLBA complianceMissing
- Branded PDF reportsMissing
- PSLF trackingMissing
- Comprehensive federal coverageMissing
- Year-over-year data retentionMissing
- Designed for advisorsTheir advisors
- PII / GLBA complianceMissing
- Client-ready visualsMissing
- Branded PDF reportsTheir brand
- OBBB / RAP rules currentMissing
Simple, advisor-first pricing.
One per-seat price. Unlimited clients, scenarios, and reports — no per-import or per-PDF fees, no hidden tiers.
For independent advisors and small teams running a student-loan practice. Up to 10 advisors.
per month
- Up to 10 advisor seats
- Add assistants at the same per-seat rate
- Assistants get full advisor-level access
- Unlimited active clients
- NSLDS Drop import + bulk parser
- All federal plans + scenario stacks
- PSLF tracker with deadline alerts
- Branded PDF reports (your logo)
- Priority email + Slack support
For RIAs, broker-dealers, and firms running 10+ advisors.
- Annual contract — custom pricing
- SSO (single sign-on)
- Onboarding assistance
What does a Solo seat actually pay for itself with?
Drag the sliders. The math is conservative — most advisors see better numbers in their first quarter.
Questions, answered.
Everything you need to know about Finology Software. Can't find an answer? Talk to our team.
Schedule Demo