One workspace.
Every loan tool.
Import federal-loan data in seconds, simulate every IDR plan side-by-side, track PSLF qualifying months automatically, and send a branded report your client can understand with confidence.
Side-by-side scenarios
Federal loans · AGI $98,400 · Family size 3 · MFJ
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 parsed in seconds.
IDR Simulator
Model PAYE, IBR, ICR, RAP, and standard plans side-by-side with full forgiveness math.
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
4 plans, 4 outcomes
Never miss a qualifying month, recertification, or servicer mismatch.
Finology Software ingests the PSLF payment count straight from NSLDS, surfaces every gap, and flags the next recertification deadline so a 12-year forgiveness path doesn't get 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
Sarah Mitchell · MD
Prepared by Priya Anand, CFP® · Jun 14, 2026Questions, answered.
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