Taking out another loan or doing a balance transfer might seem like a quick fix, but it’s not the solution to your long-term financial freedom.
MyEarnUp offers a smarter way to optimize your existing debt payoff—without the need for new loans or complicated balance transfers.
Managing debt doesn’t have to be overwhelming or complicated. Whether it’s student loans, auto loans, personal loans, or credit cards, you can manage and optimize your debt payoff in one centralized platform for just $15 per month.
Say goodbye to financial stress and hello to smarter, simpler debt management!
Easily organize student loans, mortgages, auto loans, credit cards, and personal loans from multiple lenders in one convenient dashboard.
Choose weekly, bi-weekly, or monthly plans to break down payments into manageable, automatic withdrawals.
We collect smaller sums and ensure your full payment reaches the lender on time, so you never miss a due date.
Boost principal payments to fast-track your payoff and save on interest with our smart repayment system.
We’re not a lender – no personal loans or balance transfers needed. Our tool offers a smart, automated way to manage your existing debt without adding more loans.
Enjoy the simplicity of a $15 monthly fee. No hidden charges, no surprises—just a straightforward, budget-friendly way to manage your loans and stay on track!
Fill out the form below to kickstart your debt payoff journey and enjoy your first 3 months with no program fees.¹ After that, continue managing your loans effortlessly for just $15 per month. Don’t miss out on this limited-time offer!
¹ This is a limited-time offer. This offer has no cash value. Offer is subject to change without notice.
Use our interactive calculator to discover your potential savings and payoff timeline with bi-weekly payments. Your actual savings will differ.*
Note: There is no change to interest rates or loan terms. This is not a debt consolidation tool.**
Mix and match the options below to reduce interest and pay off your loan sooner.²
² Interest and loan term reduction 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.
Option 1: 52 weekly withdrawals equal to 1/4 of your monthly payment = the equivalent of one additional payment each year!
Option 2: 26 bi-weekly withdrawals equal to 1/2 of your monthly payment = the equivalent of one additional payment.
Increase your withdrawal amount one time, every time, or every now & then – the choice is yours.
You can use the extra to pay toward your credit card debt, which lowers your overall balance, fast tracks payoff, and saves in interest fees.²
² Interest and loan term reduction 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.
When you choose an Acceleration program, your debits amount to one additional loan payment each year. Use the extra money to pay toward principal.³
³ In some circumstances, loans may require that outstanding items, such as escrow (for property taxes and insurance), late fees, or past-due payments, must be paid before funds can be applied to principal. These are determined based on the terms of your specific loan and are applied by your loan servicer.
Fill out the form below to kickstart your MyEarnUp journey and enjoy your first 3 months with no program fees.¹ After that, continue managing your loans effortlessly for just $15 per month. Don’t miss out on this limited-time offer!
¹ This is a limited-time offer. This offer has no cash value. Offer is subject to change without notice.
Disclosures
¹ This is a limited-time offer. This offer has no cash value. Offer is subject to change without notice.
² Interest and loan term reduction 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.
³ In some circumstances, loans may require that outstanding items, such as escrow (for property taxes and insurance), late fees, or past-due payments, must be paid before funds can be applied to principal. These are determined based on the terms of your specific loan and are applied by your loan servicer.
⁴ Testimonials are individual experiences and results vary.
♦ Loan Value must stay the same. Loan must be paid with no default or payment errors on the account. You must notify EarnUp of any changes to your Escrow payment. Price is subject to change without warning.
*Money transmission services provided by EarnUp partner financial institutions. The applicable EarnUp partner financial institution is the only entity authorized to initiate or execute payments and transfers on your behalf. At no time will EarnUp receive, control, or hold your funds.
**NOT A CREDIT REPAIR ORGANIZATION OR CONTRACT. EarnUp is not a credit repair organization, or similarly regulated organization under other applicable law and does not provide any form of credit repair advice or counseling. EarnUp is not a lender or provider of credit cards. EarnUp helps users to manage their debt, minimize interest fees, or automate smarter budgeting.
EarnUp Inc.
2370 Market St Ste 203
San Francisco, CA 94114-1521 USA
800-209-9700
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.