NEW
OBBB-compliant — Repayment Assistance Plan (RAP) is live in the simulator
Powered by Finology Software
The student-loan planning engine behind the firms that serve borrowers. If you have the audience, you don’t have to build the hard part — power it with Finology Software.
The federal rules just changed more than they have in a decade — and keeping a calculation engine compliant through it is a full product team’s job.
The hard part, already built
Finology Software is the calculation and workflow core that the firms above plug into — kept current as the federal rules move.
NSLDS import
Pull a borrower’s complete federal loan picture straight from the National Student Loan Data System — no manual entry, no transcription errors.
Every plan, side by side
Model RAP, IBR, PAYE and PSLF against one another in a single view — the trade-offs laid out clearly enough to put in front of a client.
Whole-household analysis
Multiple borrowers, filing status, and household AGI handled together — because repayment strategy is a household decision, not a per-loan one.
Audit-ready reports
Branded, client-ready output that documents the recommendation, the next form to file, and the date it’s due — defensible on review.
Federal rules, current
Plan logic is updated to reflect federal changes within 30 days — so what your audience sees is always the rules as they actually are today.
Maintained for youOne engine, your front door
White-label it under your brand, or call it from your own product. The math, the data, and the compliance burden stay on our side.
See the two ways to partnerTwo ways to put the engine to work
Run the whole platform under your brand today, or — soon — call the engine directly from your own product.
The full platform, under your brand
Your firm’s name on a complete student-loan planning workspace — set up in weeks, not quarters.
Call the engine from your product
Hit the calculation engine through an API, or embed “Powered by Finology Software” tools directly in your own experience.
Built for firms that already have the audience
If borrowers already trust you, the planning engine is the piece you’re missing — not another team to hire.
Why power it instead of building it
The engine is a moving target with a compliance bar. Here’s what you skip by running ours.
Don’t chase the rules
RAP today, something else next session. We track the federal changes and keep the math right so you never re-engineer a calculation engine on a regulator’s timeline.
Advisor-grade, not consumer-grade
Enterprise-grade security — encrypted data, isolated PII, least-privilege access, and full audit trails, with SOC 2 on our roadmap. Built to the bar an advisor’s compliance team expects, not a consumer calculator’s.
Live in weeks, not quarters
The hard part already exists. Stand up a branded, working platform in weeks instead of staffing a multi-quarter build.
Stay focused on your audience
You own the relationship and the borrowers’ trust. We run the engine — so your team keeps its attention where your advantage actually is.