NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
Precision student-loan planning for financial advisors.
Finology Software is the student-loan planning platform financial advisors use to model federal repayment, IDR, PSLF, and private debt, and turn a client’s loan history into advice they can act on.
Why we exist
Student loans are the one corner of a client’s financial life most planning tools ignore, and the rules never stop moving. Advisors were left making six-figure decisions in spreadsheets. We thought that was backwards.
What Finology Software does
Federal Loan Simulator
Compares every federal plan a borrower is actually eligible for, including RAP, and excludes the ones they cannot elect with the reason stated.
IDR and PSLF modeling
Tracks qualifying payments from the borrower’s own federal record and prices the tax where forgiveness is taxable.
Loan history import
Drop the federal loan file and a twenty-loan history parses in, with private and consumer debt alongside it.
Client-ready reports
A branded PDF showing the plans compared, the recommendation, and the assumptions behind it.
Who uses Finology Software
- Independent RIAs adding student-loan planning to a wealth-management practice
- Advisors whose clients are early-career professionals
- Specialists serving pharmacists, physicians, dentists, and veterinarians
- Planners whose clients work in public service and are pursuing PSLF
“I’m grateful that so many advisors have chosen Finology Software as part of their technology stack. We work every day to continue earning that trust.”
From a private alpha to the federal reset
Finology Software begins. The first private alpha goes live.
Public beta launches. Federal payments resume after years on pause.
The Liability Planner and client-ready reports take shape.
RAP modeled early, months before the federal deadline.
The federal reset. SAVE ends, RAP begins. Built for this moment.
Key facts
- Company
- Finology Software, a product of Finology LLC
- Founded
- 2022, by Alex Bottom
- Headquarters
- Idaho, United States. Remote-first.
- Core offering
- Student-loan planning platform for financial advisors
- Pricing
- $149 per advisor per month, or $129 billed annually. Volume rate from the fifth seat.
- Contract terms
- Month to month. Existing subscriptions keep their original rate.
- Support
- Email and in-app chat. No required calls.
- Interfaces
- Web app, federal loan-file import, public API, MCP server, embeddable calculator
Student-loan advising starts here.
Bring one client file and see what it says. Onboarding takes under a minute.
Questions about how it works? Read the FAQ.