What is Finology Software?

A financial-technology platform that gives financial advisors advanced tools to manage and plan student-loan repayment for their clients.

How does Finology Software help financial advisors?

It provides seamless data import from the NSLDS (National Student Loan Data System), builds personalized repayment strategies through federal IDR simulation and side-by-side comparison, and provides comprehensive management and analytics for client loan data.

Can Finology Software simulate different repayment options?

Yes. The Liability Planner lets you simulate income-driven repayment plans side by side and explore loan-forgiveness scenarios such as Public Service Loan Forgiveness (PSLF).

What happens to the SAVE plan, and how does the July 1, 2026 transition work?

The SAVE plan is ending. On July 1, 2026 the new Repayment Assistance Plan (RAP) and a new Standard plan take effect, replacing the older income-driven options. Finology supports modeling these new rules plus IBR, PAYE, ICR, and PSLF.

How secure is client data?

The platform prioritizes data security with high-standard encryption and compliance measures.

How do new users get started?

Users can sign up for a seven-day trial, no credit card required. After the trial, pricing is $149 per advisor monthly or $129 per advisor billed annually ($1,548/year), with a 5-to-10 advisor rate of $119 monthly or $105 billed annually.

Plan repayment.
Build the plan.
Deliver it.

Finology Software is the student loan engine for financial advisors. Upload an NSLDS file, model every IDR plan, track PSLF, and produce a client-ready report in a single sitting.

Start with one client file →See the platform

$149/mo, or $129/mo billed annually · Onboarding in under 60 seconds

app.finology.tech / clients / sarah-mitchell

Sarah Mitchell · 32 · MD

RAP plan · $192/mo · forgiveness Aug 2039

Lifetime cost$46,080−$138k vs Standard

Forgiven$201,800at month 168

PSLF months74/120+8 this year

01 · Onboard

Have confidence in every recommendation.

End-to-end student loan software built for CFPs, CCFCs, and CSLPs. Upload a client’s NSLDS file and every loan, servicer, plan, and payment count is parsed in seconds.

Start free

MyStudentData.txt · parsed · 4 loans · 74 qualifying payments

⬇ Drop NSLDS file
Parsed in 2.4s · 4 federal loans

Direct UnsubsidizedMOHELA · 5.50%

$118,400

Grad PLUSAidvantage · 7.05%

$52,200

Direct SubsidizedNelnet · 4.99%

$13,720

Direct SubsidizedMOHELA · 4.66%

$8,900

Total

$193,220

The platform, end-to-end

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.

📥

NSLDS Drop

Drag in a client’s MyStudentData.txt. Every loan, servicer, plan, and payment count parsed in seconds.

📊

IDR Simulator

Compare every plan a client is still eligible for, side by side. Verified to the cent for the 2026 rules, with closed plans named and explained.

🎯

PSLF Tracker

Track qualifying payments and projected forgiveness. Catch the months that do not count before they cost your client.

📄

Client Reports

Turn your analysis into a clean, white-labeled PDF report, ready for your clients.

Trusted by advisors

Used by firms that take student-loan planning seriously.

As reviewed on Trustpilot

“

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.

Ryan S. Galiotto, CFP®

Founder, Etch Financial & Student Loan Help Network

“

Finology Software doesn’t just handle finances, they empower clarity. Their guidance helped me make smarter decisions with total confidence.

Bob Chitrathorn

Wealth Planning by Bob Chitrathorn

“

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!

Brittany Brinckerhoff

Hilltop Wealth Advisors

Find an Advisor

Let clients come to you.

Borrowers use the free Finology Software app to see their loans, then ask to be matched with an advisor who specializes in student debt.

✓Inbound leads from borrowers actively seeking help
✓Matched on specialty, location, and loan type
✓Included with every seat, no per-lead fees

In the 2024 Kitces Research marketing study, online directory listings were the most efficient tactic advisors use: $634 average cost per new client and $3.40 back for every $1 spent, the highest of any tactic measured.

Get listed in Find an Advisor

New matches · 3 NEW

Jordan M.

PSLF strategy · nonprofit

$148k

balance

+ 2 more matches waiting

Pricing

Simple, advisor-first pricing.

One flat per-advisor price. Unlimited clients, scenarios, and reports, no per-import or per-PDF fees.

Advisor plan

$129 / advisor / mo

Billed annually ($1,548) · or $149 monthly. Everything to run a student-loan planning practice.

Start with one client file

✓ Unlimited clients⚡ 187× ROI on a seat✕ Free spreadsheets cost more in time

See full pricing, the ROI calculator & comparison →

FAQ

Questions, answered.

Who is Finology Software for?+

Financial advisors, CFPs, CSLPs, CCFCs, and planning-minded RIAs, who want to add accurate student-loan planning to their practice without spreadsheets or guesswork.

Is the 7-day trial really free?+

Yes. No credit card required. You get full access to the plan, RAP and every federal plan, IDR and PSLF tracking, and client-ready reports. At day 7 you pick a plan or your account simply pauses.

Is it ready for the 2026 rules?+

Yes. The federal engine models the new Repayment Assistance Plan (RAP) and Standard plan effective July 1, 2026, alongside IBR, PAYE, ICR, and PSLF, and knows which plans are closed to new enrollment for each loan type, built for the OBBB changes day one.

How much does it cost?+

Per-advisor price: $149/mo, or $129/mo billed annually ($119/$105 for teams of 5 to 10), unlimited clients. See full pricing.

Student-loan advising starts here.

Ready to bring student loans into your practice? Start with one client file and see what it says.

Start with one client file →Onboarding in under 60 seconds

Plan repayment.
Build the plan.
Deliver it.

Have confidence in every recommendation.