NEW
OBBB-compliant, Repayment Assistance Plan (RAP) is live in the simulator
Talk to someone who works on student loans every day.
Start with a free account that shows every loan you have and what each federal repayment plan would cost you, computed from the rules rather than generated. When the decision is big enough to want a second opinion, we introduce you to an advisor who specializes in student debt.
Free to start · No credit card · We keep your data to ourselves
Example figures, computed to the cent from the current federal rules, including which plans this borrower can still enroll in. Your account runs the same comparison on your own loans.
Plenty of people can sort this out on their own.
A specialist earns their fee when the decision is complicated enough that getting it right is worth years of payments. These are the situations where that is usually true.
You borrowed Parent PLUS or Grad PLUS
PLUS loans follow different consolidation and eligibility rules than the rest of your file, and the order you do things in changes which plans stay open to you.
You are married, or about to be
How you file taxes decides whether your spouse’s income counts toward your payment. The right answer depends on both of your balances, not just yours.
Your forgiveness count needs reconciling
Qualifying months get miscounted often. Matching your certified count against your employment history is worth doing with someone who has done it before.
You are weighing forgiveness against paying it off
Staying on an income-driven plan for decades can cost more than paying the loan down, once the tax on the forgiven balance is counted. It goes both ways.
If none of these describe you, keep your money. Create the free account, run your numbers, pick the plan that comes out ahead, and get on with your life. The calculators stay free whether or not you ever talk to anyone.
Your numbers first, then the introduction.
An advisor is far more useful once your loans are already on the table. So the order is deliberate.
Create your free account
Takes a minute. No credit card, and the core experience stays free.
Add your loans
Import your federal loan file and every balance, rate and servicer comes in at once.
See every plan
Each federal plan priced against your own file, including what forgiveness would cost in tax.
Ask to be matched
Request an introduction and we connect you with an advisor licensed where you live.
Advisor matching is live in a growing list of states. Coverage depends on where advisors hold a license, so it varies by state and it is expanding. Your account shows you what is available where you live as soon as you are in, and the calculators and your loan dashboard work everywhere from day one.
Already ran your numbers? Ask for a match right there.
Every plan-comparison calculator on finology.tech has two options under your results. Neither one needs an account.
I don’t have an advisor: match me with one
Give your first name, email and state, and check the box to share them and your estimate with one financial advisor who uses Finology Software. We send your request to one advisor who has chosen to receive requests: first someone who serves your state, then an advisor who works with borrowers anywhere in the US. You get one email with their name, firm and contact details.
Send this to my advisor
Enter your advisor’s email and we send them your numbers with a link to the full comparison. One email, nothing else.
If no advisor is available for you yet, we tell you right away. We keep your request, match you as soon as an advisor is available, and delete it after 30 days if no one is.
See your number first. Decide about an advisor after.
Free account, every federal plan priced against your own loans, and an introduction waiting when you want one.