NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
The student-loan planning engine you can stand behind, and the broader debt picture, too.
Finology Software goes deep on student-loan strategy and wide across your client’s full debt picture, with repayment math that’s ready for 2026’s new rules.
Most tools make you choose: a student-loan specialist that ignores the rest of the balance sheet, or a broad planning suite that treats federal repayment as an afterthought. Finology Software is both, the specialist depth advisors trust on RAP, IDR, and PSLF, paired with the breadth to model private loans and credit cards alongside federal repayment.
Run a real client through RAP, the new Standard, IBR, and PSLF.
How Finology Software compares
Advisors weigh Finology Software against two kinds of tools: student-loan tools priced to scale with every client you add, and general financial-planning suites that treat student loans as a side feature. Here’s how the capabilities line up.
| Capability | Finology Software | Scale-priced student-loan tools | General planning suites |
|---|---|---|---|
| Flat, unlimited clients, no per-client fees, no caps | ✓Unlimited, flat | Per-client fees | Varies by seat |
| Runs inside Claude and ChatGPT: connector, plugin and MCP server for student-loan math | ✓Claude, ChatGPT + MCP | Not offered | No student-loan connector |
| Built specifically for student loans (not a bolted-on feature) | ✓Purpose-built | Narrower scope | Bolted-on feature |
| Models the new RAP plan correctly for July 1, 2026 | ✓Yes, July 1, 2026 | Varies by tool | Often missing |
| IDR, PSLF & RAP accuracy verified to the cent | ✓To the cent | Estimates | Approximations |
| Client-ready plans & reports | ✓Yes | Basic | Generic |
| Get matched with borrowers actively seeking an advisor | ✓Yes | Not a focus | Not a focus |
| Kept current with every federal change | ✓Always current | Varies | Lags rules |
Comparison reflects typical capabilities of each category of tool, not any single named product.
One engine for the whole conversation
When a client sits across from you with student loans, a private loan, and a couple of credit cards, they don’t want three different answers from three different tools. They want one clear plan.
Finology Software was built for that conversation. The federal repayment engine is ready for the 2026 rules, the Repayment Assistance Plan (RAP), the new Standard, IBR, PAYE, ICR, and PSLF, and it knows which plans are closed to new enrollment for each loan type, so you can model the plan changes that take effect this year with confidence. And because the same engine handles private student loans, credit cards, and other consumer debt, you can show the client where every dollar goes and which payoff path wins.
Depth, breadth, and a deliverable
Precision that’s ready for 2026
Student-loan rules changed this year, and your numbers have to keep up. Finology Software’s federal engine models the Repayment Assistance Plan (RAP), the new Standard, IBR, PAYE, ICR, and PSLF, including federal and state forgiveness-tax modeling, and flags which plans are closed to new enrollment for each loan type, so the plan you put in front of a client reflects the rules that actually apply. The calculation engine and the assumptions stay separate and visible, so the arithmetic you show is arithmetic you, and any enterprise diligence team, can inspect and stand behind.
Breadth no specialist tool gives you
Student loans rarely travel alone. Finology Software models the full debt picture, federal loans, private student loans, credit cards, and other consumer debt, in one place, with snowball and avalanche payoff strategies and a pro-forma mode that lets you model a loan before it’s even taken out. It’s all one engine.
An advisor workflow that ends in a client-ready report
Finology Software is built around how advisors actually work: a multi-client workspace, side-by-side plan comparisons in a single view, and clean, client-ready reports you can brand as your own (on every seat). The output isn’t a screenshot of a calculator, it’s a deliverable the client takes home.
Built for advisors at independent RIAs, insurance-affiliated practices, and enterprise firms.
What advisors ask before switching
Is Finology Software a good alternative to a student-loan-only specialist tool?
Yes, especially for advisors who plan more than student loans. Finology Software matches specialist tools on federal IDR, RAP, and PSLF depth, then adds private loans, credit cards, and broader debt strategy in the same engine, so you’re not switching tools mid-conversation.
Does Finology Software model the new 2026 RAP and Standard plans?
Yes. The federal engine is built for the 2026 rules, including the Repayment Assistance Plan (RAP) and the new Standard plan, alongside IBR, PAYE, ICR, and PSLF, and it flags which plans are closed to new enrollment for each loan type.
Can I compare repayment plans side by side?
Yes. Finology Software shows every plan a client is still eligible for together in one view, so you can show a client the plan that actually fits, not three separate estimates.
Can I produce a report to give the client?
Yes. Every plan produces a clean, client-ready report, and you can white-label it with your own branding.
Does it handle debt beyond student loans?
Yes. Finology Software models private student loans, credit cards, and other consumer debt alongside federal loans, with snowball and avalanche payoff strategies, all in one engine.
See it on a real client.
The fastest way to compare Finology Software to anything else is to run one of your own clients through it. Load one of your own clients and model every plan they are still eligible for, plus their private loans and credit cards.
Every number sourced, every plan compared.