Prosper Wise logo

Coach Resource Center

Helpful information to help you educate participants
on the EarnUp financial wellness platform.

Questions?  Reach out

Mon – Fri 9:00 – 6:00 ET


Special Discount for Prosper Wise Participants

We will waive the $15 Monthly Fee for the first six months

Thereafter, we’ll discount our Program Fee to just $5.00 per month*

Credit cards

Credit Cards: Automate a Smart Payoff Strategy

Paying down a high balance credit card is daunting.
We’ll help your participants outsmart interest by splitting payments up into 2 or more smaller monthly increments so thier payments exceed the minimum.
A Program Concierge will walk participants through the process.
Credit cards

Calculate Credit Card Payoff

Amount must be between $1 and $999,999
0.1 99.9
Amount must be between $1 and $999,999
Your monthly payment does not cover the accumulated interest. Input a higher amount
Value must be between 1 and 999

Monthly Payment


Total Interest


Time To Payoff

27 years 9 month

Month Monthly Payment Principal Interest Ending Principal
0 $100,000
1 $1,038 $38 $1,000 $99,962
2 $1,038 $38 $1,000 $99,924
3 $1,038 $39 $999 $99,886
4 $1,038 $39 $999 $99,847
5 $1,038 $39 $998 $99,807

This analysis is an estimate only. This illustrative example demonstrates payoff timelines assuming balance does not increase. Individual results will vary based on your unique situation. 


A Simple Way to Reach Financial Goals

Our tools will help automate the smart advice you provide so participants acheive better outcomes more easily.

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 participants can begin to see results fairly quickly.

Try a few scenarios using the savings calculator.

Student Loan Debt Tools that Get Participants to Their Goals Faster

Education should move people toward financial goals, not prevent them. 

  • 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

Programs Information & Overview

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

EarnUp ProsperWise overview flyer


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

Student Loans

Instantly assess eligibility for Federal Savings Programs

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

Helpful Communication Tools

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

Coach Presentation to Participants

Enrollment is similar to setting up autopay with your bank.

Please advise particiapants to be ready with the following info:

  • 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.

blue gradient circle

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.

blue gradient circle

Start Your Financial Assessment Quiz