Your interface.
Our math.
Use our app, ask Claude, ChatGPT or GitHub Copilot, or call the API. Every plan is priced by the same verified engine.
Side-by-side scenarios
Federal loans · AGI $72,000 · Family size 1 · Single
Used by firms that take student-loan planning seriously.
“Since the majority of my client base consists of early-career health professionals, I know the anxiety surrounding student loan management is profoundly real and impacts almost every financial decision. Finology helps me present clear solutions, elevates my credibility as a specialist in the field, and allows me to deliver relief on such an emotionally loaded topic. I have used Finology for over three years, and its ever-evolving platform continues to adapt to the changing rules and regulations of Federal Student Aid policy, as well as keeping pace with emerging technology. Incorporating Finology into my workflow enhances my value proposition as a client advocate and is stimulating the growth of my practice.”
Michael MathenyFounder, Stellar Financial Health
Four tools. One end-to-end workflow.
Every Finology Software workspace moves through the same four stages: you stop juggling spreadsheets, PDFs, and servicer phone trees, and start delivering a recommendation.
NSLDS Drop
Drag the .txt and every loan, servicer, plan, and qualifying-payment count is read, plus what the client has already paid.
IDR Simulator
Model RAP, IBR, and Standard plans side-by-side with full forgiveness math, with plans that are closed to the client named and explained.
PSLF Tracker
Auto-count qualifying months, surface the recert window, and flag servicer mismatches.
Client-ready PDF
Branded recommendation memo your client takes to their servicer, exported in one click.
What's inside each tool.
Drag, drop, done: the federal-loan onboarding a CFP actually wants.
Your client downloads MyStudentData from studentaid.gov and emails it over. You drop the .txt into Finology Software and the entire federal-loan history is parsed: servicer, balance, rate, loan type, plan, qualifying-payment count.
- Every NSLDS field parsed: no CSVs, no screenshots, no manual entry
- Encrypted at rest, isolated per client, deleted on request
- Detects servicer transfers, consolidations, and payment-count gaps automatically
Run every income-driven plan, side-by-side, with forgiveness math built in.
PAYE, IBR (new and old), ICR, the standard ladder, and the new Repayment Assistance Plan (RAP) under OBBB, all modeled in parallel with your client's AGI, family size, filing status, and projected income growth.
- Up to four scenarios in parallel: payment, forgiveness, total cost, and tax exposure
- RAP, PAYE, IBR, ICR, standard, graduated, and extended schedules
- Adjust AGI assumptions, family size, and recert cadence and watch the numbers update live
3 plans, 3 outcomes
Never miss a qualifying month, recertification, or servicer mismatch.
Finology Software reads the PSLF payment count from the client's NSLDS file, surfaces every gap, and flags the next recertification deadline so a 10-year PSLF path is not derailed by a single missed form.
- Qualifying-month grid you can show the client directly
- Recertification windows, employer-cert reminders, and form-mismatch warnings
- Audit trail every time a payment count changes
48 of 120 qualifying months
Ship the recommendation as a branded PDF: your firm's logo, your disclosures.
Every plan you build is one click from a client-ready report: side-by-side scenario tables, a one-page action plan the client takes to their servicer, and the disclosures your compliance team already approved.
- Your firm's logo, colors, and disclosures on every page
- Side-by-side scenario tables and an action plan the client takes to their servicer
- Versioned and archived inside the client record so you can audit what was sent, when
Jeffrey Intemann · Resident physician
Prepared by Priya Anand, CFP® · Jun 14, 2026Questions, answered.
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