NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
Know your number
before your first bill.
The new Repayment Assistance Plan changes what millions of borrowers pay. Finology Software gives you a free account to see all your loans in one place, then get matched with an advisor who specializes in student debt to build the right repayment plan.
What changed on July 1, 2026
The new Repayment Assistance Plan (RAP) introduces payments of 1–10% of income, a $10 minimum, and forgiveness after 30 years. If you’re on SAVE or PAYE today, your payment, and your best strategy, may change. Most borrowers don’t know their new number yet.
From confused to confident in four steps.
No spreadsheets. No guesswork. Just a clear picture and a path forward.
Create your free account
Sign up in seconds. No credit card, no commitment, the core experience is genuinely free.
Add your loans
Upload your federal loan file (MyStudentData.txt) and we import everything automatically. No manual entry.
See your options
View every loan in one dashboard. For private loans, model payoff and a “what if you refinanced?” comparison.
Get matched
Federal strategy is high-stakes. Search our advisor directory and pick a specialist who reaches out to you.
Clarity first. Then a plan.
Everything you need to understand your loans, and a specialist for when the stakes are high.
All your loans, one place
Federal and private, every balance, rate, and monthly payment in a single clear dashboard. Import once, no manual entry, no juggling servicer logins.
Refinance savings estimate
For private loans, see your payoff, total interest, and a side-by-side “what if you refinanced?” comparison with potential lifetime savings.
Advisor matching
Federal strategy is high-stakes. Get matched with a vetted advisor who specializes in student loans, searchable by state, designation, and niche.
A specialist who actually does this.
Search by state, designation, and the niche that fits your life. Pick one, they reach out to you. Free to browse, free to connect.
See what a refinance could really do.
For private loans, model a new rate and term against your current loan, and watch the lifetime difference. Estimates only; your actual rate depends on the lender.
- ✓Side-by-side monthly payment
- ✓Total interest over the life of the loan
- ✓Estimated lifetime savings
Start free. Upgrade when you want it automatic.
The full repayment planner and advisor matching are free, forever. Paid plans keep your loans connected and current, and help you pay less.
- ✓See all your loans in one place (manual entry or NSLDS upload)
- ✓Private-loan payoff & refinance comparison
- ✓Free matching with a student-loan advisor
- Everything in Free, plus:
- ✓Automatically connect your loans through your servicer (no manual entry)
- ✓Refresh anytime to keep balances current
- Everything in Plus, plus:
- ✓Always-on automatic monthly refresh
- ✓Balance & rate monitoring with alerts
- ✓Repayment optimization recommendations
- ✓Refinance savings marketplace
- ✓An advisor consultation
Bank-level security
Encrypted in transit and at rest.
We never sell your data
No ads, no data brokers. Ever.
You’re in control
Delete your account and data any time.
Independent
Not affiliated with the U.S. Dept. of Education.
Know your number before your first bill.
Federal repayment rules changed on July 1, 2026. Create your free account today and walk in prepared.
Free to start · No credit card · 2-minute setup