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8 Apps to Help Pay Off Student Loans

Student loan debt can be a huge burden that can take decades to pay off. On the bright side, if you’re looking for a way to pay off your student loans faster, there’s an app for that.

In fact, there are dozens of apps. They include programs that help you budget, save, invest, and strategize ways to get rid of your student loan debt as quickly as possible. The hardest part is choosing which one best fits your lifestyle and goals.

Apps to Help Pay Off Student Loans

Our pick for the best overall student loan payoff app, Debt Payoff Planner, helps you create the best strategy for getting rid of your student loan debt fast. Plus, its visuals help you stay on track by showing your payoff progress and rewarding you with indicators to show payoff victories.  

The other apps on this list all shine on doing one or two key things really well, like earning you cash back on everyday purchases, diverting your spare change toward extra loan payments, or helping you budget your overall finances. 

Fortunately, you don’t have to limit yourself to just one.  For example, a micro-investing app, a cash-back app, and a debt strategy app could all play a role in your overall student loan payoff plan. Which apps will you choose? 

Best Overall: Debt Payoff Planner

  • Cost: Free for the basic version; premium version starts at $1 per month
  • Platforms: iOS, Android 

The Debt Payoff Planner is for those ready to figure out the best strategy to get rid of their loans as quickly as possible. Though you can use the app to pay off any kind of debt — from car loans to credit cards — it includes a category for student loans. 

Once you’ve added all your loans to the app, you can compare debt payoff strategies. The debt snowball method prioritizes paying off the loan with the lowest balance first, while the debt avalanche prioritizes the highest-interest-rate loan first. Or choose a custom plan. You can also see the impact of adding additional payments (the debt snowflake method).  

Upgrading to the Pro version gets you more detailed planning templates, printable plans, payment reminders, and Web access. But either version gives you an actionable plan to keep you motivated to get out of debt sooner than later, which is why this app is our top pick. 

Best for Set-It-and-Forget-It Payments: Chipper

  • Cost: Free
  • Platforms: iOS, Android

Chipper is the best student loan repayment app for truly hands-off, set-it-and-forget-it repayments. Here’s how it works:

  • Link your debit or credit card to the app
  • Make online and in-person purchases like normal
  • Chipper rounds up each purchase to the nearest dollar — so that $4.25 latte becomes a $5 latte
  • Chipper puts the difference toward your student loan balance, sending the payment directly to your servicer
  • Your student loan balance drops, little by little

There’s virtually no action required on your part, unlike most other student loan repayment apps. And while a few cents here and there doesn’t sound like a lot, it adds up over time thanks to the power of compounding interest. According to Chipper, a single $35 round-up can reduce your student loan interest burden by $1,000 over the life of the loan.

Best for 529 Account-Holders: Upromise

  • Cost: Free
  • Platforms: iOS, Android, Safari, Chrome, Internet Explorer, Microsoft Edge, and Firefox

Though more well-known as a college savings app, Upromise is equally suitable for those looking to pay off their student debt post-graduation. The smartphone app and browser extension work like any other shopping rebate tool, allowing you to earn cash back on everyday purchases.  

But the options don’t end there. You can also earn rebates for in-store and online grocery purchases. And if you link a debit card or credit card, you can earn cash back for dining out at restaurants. 

Earn even more with a Upromise Mastercard. Just pay off the balance every month to avoid negating your cash-back rewards with credit card interest.

Once you reach a minimum $50 threshold, you can transfer your rebates to either your checking or savings account or linked 529 college savings account. You can use up to $10,000 of 529 savings to pay off student loans.

Best for Online Shopping: EvoShare

  • Cost: $29.99 per year, but EvoShare frequently runs specials like 24 months free 
  • Platforms: iOS, Android, Safari, Chrome, Internet Explorer, Microsoft Edge, and Firefox

EvoShare is a browser extension and smartphone app that earns you up to 30% cash back for your online purchases and travel bookings. Additionally, you can have micro-savings, small amounts of your choosing, deducted daily from a linked bank account. 

Aside from the high percentage of cash back, EvoShare is unique in that you can opt to have your cash back paid directly toward your student loans. That helps you avoid the temptation to spend it.  

In some locations, mostly California so far, you can even earn cash back offline with a linked debit or credit card.

Best for Applying Micro-Savings: ChangEd

  • Cost: $3 per month
  • Platforms: iOS, Android

Any amount you can pay above the minimum payment, even if it’s just a few dollars, can go a long way toward paying off your student loans early and drastically reducing the amount of interest that accrues. 

The app ChangEd helps you do that by taking advantage of micro-saving. It keeps track of your everyday purchases on any linked credit or debit cards and rounds up each transaction to the nearest dollar. 

The difference goes into your ChangEd account to save toward making extra student loan payments. Once your balance reaches $50, the money automatically goes to the student loan you designate.  

Extra perks include the ability to send larger deposits to your loans when you have some spare cash and the option to have friends or family sign up and send their spare change toward your loans. The app also lets you track your progress. You can see how much your spare change saves you in interest and how soon you’ll be debt-free.

The only caveat is that this app works best for those who make lots of credit or debit card transactions each month. You must have enough spare change transactions each month to cover the $3 per month fee and still make a dent in your debt load.

Best for Maximizing Your Cash Flow: Digit

  • Cost: $5 per month for savings only; $9.99 per month for budgeting, saving, and investing (first 30 days free; save 20% by paying annually)
  • Platforms: iOS, Android

Digit is an all-in-one app for managing your personal finances. But unlike other budgeting apps, which require you to do all the work, Digit makes your budget for you by analyzing your income and spending patterns. It also connects with your bank account to set aside money for bills where you won’t touch it.

Then, it lets you know how much you have left to allocate toward your financial goals and safely spend. It even automates your savings according to the parameters you set to help you reach your goals. 

So you can set paying off your student loans as a goal, and Digit helps you get there by placing your student loan repayment plan into the total picture of your personal finances.   

Best for Bill Pay: Quicken

  • Cost: $35.99 – $105.99 per year
  • Platforms: iOS, Android, macOS, and Windows

like YNAB (You Need A Budget), Quicken lets you manage all your financial accounts with a single app, including your bank accounts, credit card debt, investments, and loans. Quicken also includes a Debt Reduction Planner tool to help you develop a strategy for paying down your student loans.   

One thing that helps Quicken stand out is that it allows you to transfer money between accounts easily and pay bills directly in the app. If you have multiple accounts with different loan servicers, that makes managing your student loans easier. 

Additionally, Quicken has a desktop version that syncs with the mobile app. So you can easily switch between the two if you prefer working on a larger screen when you’re not on the go.

Best for Balancing Debt Payoff & Investing: Fidelity Spire

  • Cost: Free
  • Platforms: iOS, Android

The Fidelity Spire app pairs investing tools with savings goals and financial education resources. It allows users to create goals, such as paying off student loans, and keep track of their goals in the app. 

Meanwhile, the app also gives users access to a suite of tools, including Fidelity’s Student Debt tool, which offers tips on paying down the debt. 

Additionally, the app lets you invest in stocks and exchange-traded funds directly through the app with as little as $1. Many student loan borrowers put off saving for retirement while paying down their loans. But they miss out on years of compounding interest, potentially losing hundreds of thousands of dollars in investments. So pairing micro-investing with paying down debt is a useful feature.

Sarah Graves, Ph.D. is a freelance writer specializing in personal finance, parenting, education, and creative entrepreneurship. She's also a college instructor of English and humanities. When not busy writing or teaching her students the proper use of a semicolon, you can find her hanging out with her awesome husband and adorable son watching way too many superhero movies.