# Finology Software > The student-loan-lifecycle platform for financial advisors. Import a client's NSLDS file, model federal and private student-loan repayment strategies (income-driven repayment, PSLF, refinancing) side by side, and generate client-ready reports — without spreadsheets. Finology Software is a B2B SaaS platform for CFPs, CSLPs, CCFCs, and planning-focused RIAs who advise clients on student-loan repayment. The engine is current with federal rules, including the July 1, 2026 transition to the Repayment Assistance Plan (RAP) and the new Standard plan that replace SAVE and the older income-driven options. A borrower-facing hub lets individuals find a qualified advisor. ## What it is and who it's for - [Finology Software home](https://finology.tech/): The student-loan-lifecycle platform for financial advisors — plan repayment, build the plan, print it. - [Product overview](https://finology.tech/product/): The core tools — NSLDS import, IDR simulation, PSLF tracking, and client-ready reports. - [Solutions](https://finology.tech/solutions/): One platform for every kind of advisor — solo RIA, mid-size RIA, enterprise RIA, broker-dealer/hybrid, and specialist designations (CFP, CSLP, CCFC). - [Platform](https://finology.tech/platform/): How the platform is built — security, compliance, and federal-rules currency. - [About](https://finology.tech/about/): The company behind Finology Software. ## Core tools — the Liability Planner - [Liability Planner (Product)](https://finology.tech/product/): The umbrella planning workspace — NSLDS data import, loan management, repayment-strategy simulation, and savable pro-forma income scenarios. - [Federal Loan Simulator / IDR Simulator](https://finology.tech/product/): Models income-driven repayment plans side by side — RAP, new Standard, IBR (new and old), PAYE, ICR, graduated, and extended — with payment, forgiveness, total-cost, and tax projections across up to four scenarios. - [Private Loan Planner](https://finology.tech/product/): Models private and consumer-loan repayment and refinancing, with side-by-side payment and lifetime-savings comparisons. - [Comparison Tool](https://finology.tech/product/): Compares repayment strategies side by side so advisors can show clients the trade-offs in cost, payment, and forgiveness. - [PSLF Tracker](https://finology.tech/product/): Ingests PSLF qualifying-payment counts from NSLDS, surfaces gaps, flags recertification deadlines, and provides audit trails for Public Service Loan Forgiveness. - [Client Reports](https://finology.tech/product/): Exports branded, versioned PDFs with firm logos, approved disclosures, side-by-side scenario tables, and client action plans (white-label on Pro). ## Pricing - [Pricing](https://finology.tech/pricing/): One flat price per advisor seat — unlimited clients, imports, scenarios, and reports. - Advisor Base: $99/advisor/month, or $89/advisor/month billed annually ($1,068/year). Includes unlimited clients, RAP and federal repayment plans, IDR & PSLF modeling, private/consumer-loan planning, NSLDS import, scenario comparisons, client-ready PDFs, and priority support. - Pro add-on: +$59/advisor/month on top of Advisor Base. Adds Plaid connection for automatic balance updates, white-label branded reports, and discoverability in the Find an Advisor directory. - Borrower Hub: Free (loan viewing + advisor matching), Plus $4.99/mo (automatic loan connection), Premium $9.99/mo (monitoring, alerts, optimization). ## Free public calculators - [Free student loan and financial aid calculators](https://finology.tech/calculators/): Two free calculators, no signup, built on the same verified engine advisors use and updated for the July 1, 2026 rules. The student loan repayment comparison calculator shows Standard, RAP, IBR, PAYE and ICR side by side: monthly payment, lifetime cost, forgiveness timing, and the tax bill that can come with forgiveness. The Student Aid Index (SAI) calculator computes the number colleges use to size financial aid offers, using the 2026-27 FAFSA formula for dependent and independent students. - Advisors on Finology Software can embed these same calculators on their own websites with one line of code, themed to their brand color. ## Key pages - [Pricing](https://finology.tech/pricing/): Advisor Base and Pro add-on details, billing model, and free-trial terms. - [FAQ](https://finology.tech/faq/): Answers on what Finology is, repayment simulation, the July 1, 2026 RAP transition, forgiveness tracking, data security, and getting started. - [Compare](https://finology.tech/compare/): How Finology Software compares to alternatives. - [Glossary](https://finology.tech/glossary/): Definitions of student-loan and repayment terminology. - [Partners](https://finology.tech/partners/): The Finology partner ecosystem. - [Press](https://finology.tech/press/): Press and news. ## Borrower hub and blog - [Borrower Hub](https://finology.tech/borrowers/): For student-loan borrowers — consolidate federal and private loans in one dashboard, compare refinance scenarios, and find a qualified specialist advisor by state, designation, and niche (free to browse and connect). - [Blog and news](https://finology.tech/finology-software-blog-and-news/): Borrower-focused guides on PSLF, income-driven repayment, and the July 1, 2026 federal rule changes. - [Borrower Guides](https://finology.tech/category/borrower-guides/): The blog's borrower-guide category. ## Getting started / free trial - [Start for free](https://identity.finology.tech/): Sign up for a 7-day full-access trial — no credit card required. Includes complete Advisor Base features; the account pauses at day 7 with no auto-charge. After the trial, subscriptions start at $99/month or $1,068/year. - [Login](https://identity.finology.tech/Account/Login): Sign in to an existing Finology Software account. ## Legal - [Privacy Policy](https://finology.tech/privacy-policy/): How Finology handles data. - [Terms of Service](https://finology.tech/terms-of-service/): Terms governing use of the platform. - [EULA](https://finology.tech/eula/): End-user license agreement.