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?

SAVE has ended. Under the new rules in effect since July 1, 2026, the Repayment Assistance Plan (RAP) and a tiered Standard plan replaced the older income-driven options. Finology Software models these 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?

Start a seven-day trial by adding a card at sign-up. Cancel before day 8 and nothing is charged; otherwise the first month bills on the card on file. One trial per firm. Pricing is $99 per advisor monthly or $89 per advisor billed annually ($1,068/year).

Intelligentliability planning
for financial advisors.

The verified student loan engine in app, through the API, over the MCP, and inside Claude and ChatGPT.

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$99/mo, or $89/mo billed annually · Saves clients hundreds to thousands of dollars a month · Shows the tax due at forgiveness years before the bill arrives

app.finology.tech / clients / jeffrey-intemann

Jeffrey Intemann · 31 · Resident physician Sample client

RAP · $420/mo · Standard would be $2,116/mo

Future cost$193,627on RAP, tax included

Savings found$60,266vs Standard

Forgiven$167,136at year 30

Use Claude or ChatGPT?

Add Finology Software to Claude or ChatGPT and ask student-loan questions in plain language, answered by the same verified engine. Free with a Finology Software login; subscribers bring their whole client book.

Add to Claude →Add to ChatGPT →

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.

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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, plus what the client has already paid.

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.

“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

“When Alex introduced our firm to Finology’s ease of producing alternate model scenarios for our clients, mostly young Attending and Resident Physicians, it was immediately clear that it would be key to engaging them in comprehensive planning agreements. To date every client that has seen the results of Finology’s analysis has also engaged our firm with at least one other service.”

Keith DavisReview on Trustpilot

Pricing

Simple, advisor-first pricing.

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

Advisor plan

$89 / advisor / mo

Billed annually ($1,068) · or $99 monthly. Everything to run a student-loan planning practice.

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✓ Unlimited clients✕ Free tools leave no record

See full pricing & 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, for seven days. A card is required to start and nothing is charged until the trial ends, so you can cancel before the trial ends at no cost. You get the full planner during the trial: RAP and every federal plan, IDR and PSLF tracking. Client-ready reports unlock when you subscribe. If you do not cancel, your plan starts on the card on file.

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: $99/mo, or $89/mo billed annually, unlimited clients. See full pricing.

Student-loan advising starts here.

Ready to bring student loans into your practice? Start Free and see what it says.

Start FreeEvery number sourced, every plan compared.

Intelligentliability planning
for financial advisors.

Have confidence in every recommendation.