Candidly

Log in with your work email, connect your loan servicers, and set your top goals—lowering monthly payments, paying off faster, or building savings. The onboarding checklist guides you through verifying income, household size, and tax status so the system can model federal repayment choices in minutes. You’ll see clear side‑by‑side projections for cost, timeline, and potential forgiveness, then activate the plan you prefer. From there, turn on payroll-linked contributions and choose rules like “apply extra to highest interest” or “keep payments under X% of take-home,” so your budget stays predictable without manual work.

If you carry private debt or want to compare refinancing, open the built‑in marketplace to view prequalified options without impacting credit. Filter by rate type, term length, and monthly amount, then proceed with an application directly from your dashboard. Need tuition or certification reimbursement? Submit receipts, syllabi, or transcripts through the claims flow, which auto‑checks your employer’s policy, estimates your eligible amount, and keeps you updated on approvals and payouts. Any time life changes—new job, marriage, raise—update your profile and rerun the optimizer to refresh your plan and avoid surprise recertification issues.

Build a cushion alongside repayment with a dedicated emergency fund you fund from each paycheck. Set a target (for example, one month of expenses), enable micro‑saves, and track progress with automatic nudges if you fall behind. If your company matches retirement contributions based on qualified student loan payments under SECURE 2.0, link your retirement account and loan payments once. The platform verifies eligibility, triggers match deposits on schedule, and shows how each month of on‑time payments grows your long‑term savings—without changing your existing loan autopay routine.

Administrators can launch in weeks. Connect HRIS and payroll for eligibility and deductions, add your retirement recordkeeper if offering loan‑linked matching, and choose modules that match your benefit strategy and budget. Configure policies—reimbursement caps, match formulas, waiting periods—and publish a simple enrollment flow with single sign‑on. Use the campaign toolkit to send targeted messages by segment (new grads, parents, borrowers close to forgiveness) and host office hours with embedded scheduling. Monitor impact through dashboards that track enrollment, payment reductions, on‑time recertifications, emergency savings growth, and retention correlations. Export compliant, de‑identified reports to share outcomes with finance and leadership, and adjust programs as usage and goals evolve.