You can ask ChatGPT or Claude about your student loans, and get an answer computed by Finology Software’s student loan engine instead of a guess. The first 5 answers are free with a Finology login, and you never need a credit card.
What you can ask
- Your monthly payment on every repayment plan you can choose, including RAP, the plan most borrowers are moving to in 2026.
- When your loans are forgiven, and how much, on each plan, including Public Service Loan Forgiveness if you work in public service.
- What each plan costs in total, including the tax you may owe on a forgiven balance.
- Whether filing taxes separately from your spouse lowers your payment, and what it costs you.
Ask in plain words. For example:
- “I earn $60,000, I’m single and I owe $50,000. What would I pay on RAP?” (Answer: $250 a month, or $150 with two dependents.)
- “When would my loans be forgiven on IBR?”
- “Should my spouse and I file our taxes separately to lower my student loan payment?”
How to start
In ChatGPT
Open Finology Software in the ChatGPT apps directory, or type @Finology Software at the start of a message. When ChatGPT asks you to connect, create your free Finology login (email and password, or Google), then ask your question.
In Claude
Open Finology Software in the Claude directory and connect it. Claude asks you to sign in once; create your free Finology login, then ask your question.
Why use Finology instead of asking the AI alone
A general AI can sound right about student loans and still be wrong, because the rules changed on July 1, 2026 and the math depends on details like your loan types, your family size and how you file your taxes. With Finology connected, the AI sends your question to an engine that applies the current federal rules and checks its numbers against an independent set of reference scenarios. More on that: Can you trust ChatGPT with your student loans?
After your 5 free answers
If you want help keeping your plan current as your income, family and the rules change, a student loan advisor who uses Finology Software can work with you. Find an advisor. You can also keep using our free student loan calculators on this site, with no login.
Frequently asked questions
Is it really free?
Yes. A free Finology login gets 5 answers in ChatGPT or Claude, with no credit card and no daily limit.
Do I need a credit card?
No. The free login asks only for your email and a password, or you can continue with Google.
What can I ask?
Your monthly payment on each repayment plan you can choose, including RAP, when your loans are forgiven and how much, the total cost of each plan including tax at forgiveness, and whether filing taxes separately lowers your payment.
What happens after 5 answers?
You can work with a student loan advisor in our directory, or keep using the free calculators on finology.tech with no login.
Is this financial advice?
No. The answers are estimates for education, computed from the federal rules. For advice on your situation, talk to a financial advisor.