Automate Financial Planning

Nearly 3 million people have used our automation tools to pay debt down faster, save thousands on interest, and improve their financial stability. 

Enrollment takes about 7 minutes. Details below.

Better Business Bureau review
Better Business Bureau review
Better Business Bureau review

Student Loan Debt Tools that Get You to Your Goals Faster

Your education should move you toward your financial goals, not prevent you from reaching them. 

  • Locate open student loans and servicers
  • Assess eligibility & apply for Federal student loan savings plans
  • Get paydown scenarios & create a personalized payment plan
  • Use EarnUp to put payment plan on autopilot
  • Optional acceleration program fast tracks payoff & saves on interest fees
House and set of keys

Ready to Buy a Home?

Buying a home is a smart step toward financial stability and a strategy to build generational wealth.
We can help you automate downpayment savings, and pay down debt which will improve your credit score.
House and set of keys
Credit cards

Credit Card Debt Holding You Back?

If you make only the minimum payment, a $10,000 credit card balance could cost you $16,056.59 in interest and take 346 months to pay off.
We’ll help you outsmart interest by splitting payments up into 2 or more smaller monthly increments so your payments exceed the minimum.
Credit cards

A Simple Way to Reach Your Financial Goals

We can help you get to your financial goals easier and faster. 

That can include building emergency savings, paying down high interest rate debt, or accelerating the payoff of student loans, mortgage, personal, or auto loans. 

The best part is you can begin to see results fairly quickly.

Programs Information & Overview

EarnUp can help participants throughout every phase of their financial life.
In fact, EarnUp customers use our services for an average of 14 years.

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Learn all about EarnUp and how we help people pay it down and save it up

EarnUp Prosper Wise payday to payday

Unique Features

From flexible scheduling to smaller more managable payments

ProsperWise credit card flyer

Credit Cards

Beyond minimum payments: conquer credit card balances

EarnUp student loans flyer

Student Loans

Instantly assess eligibility for Federal Savings Programs

Enrollment is similar to setting up autopay with your bank.

During enrollment you'll be asked for the following:

  • Bank Information: account & routing numbers for debits
  • Loan Information: most recent statement to confirm loan and loan payment details
EarnUp on laptop

Calculate Your Potential Savings

Estimate interest savings and loan payoff acceleration on a bi-weekly schedule. Your actual savings will differ.*

Note: There is no change to interest rates or loan terms. This is not a debt consolidation tool.**

* EarnUP will waive your monthly $10.00 Program fees for the  first  6 months following the first debit. Limited  one-time offer for Prosper Wise Participants only. This offer has no cash value and is subject to change or cancellation.

**Interest and loan term reduction are net of EarnUp’s Program fees and are calculated based on the requirement of additional deductions and payments made towards the loan principal over the life of the loan. The loan must be paid to completion with no defaults or payment errors on the account in order to realize the savings. Savings may vary based on your unique EarnUp Program.

Copyright © 2024, EarnUp Inc.

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Find Your Student Loans
& See How You Can Save

PayItOff is a feature of MyEarnUp that allows you to locate your loans. Please complete the form below to access our student loan tool and receive comprehensive information regarding your student loan account and savings opportunities. 

Pay it Forward, Keep it a No Cost Feature!

We rely on voluntary payments from our users to continue offering our loan location service at no cost. After you find your loans, we will contact you with information on how you can make a voluntary payment to pay it forward.

Student Loan Locator
By selecting this checkbox, you agree to receive periodic automated marketing text messages at the mobile number provided. Further consent not required, cancel anytime. Data rates may apply. By clicking Locate My Student Loans you are agreeing to EarnUp's privacy policy and terms of use.

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Start Your Financial Assessment Quiz