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 — every loan, servicer, plan, and qualifying-payment count 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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