Join 3 million+ people who have used MyEarnUp to crush debt, grow savings, and cut interest fees!♦
We will waive the $15 Monthly Fee for your first three months. Thereafter, you pay just $15 per month.* No matter how many loans you add – auto, mortgage, student loans, and more – your monthly fee stays the same!
*This is a limited-time offer. This offer has no cash value. Offer is subject to change without notice.
Now it’s ridiculously easy to manage all your debt repayments from one place. Here’s how it works:
MyEarnUp simplifies your budget, making it easy to manage all your debt from one platform.
Our automated debt payoff tool aligns your repayment to your schedule and budget – without new loan or balances transfers.¹
Low, flat monthly program fee.
Unlimited platform use.
With MyEarnUp, you can enjoy the ease of flexible credit card payment options and a simpler path to debt freedom.
We can help you put those student loan payments on autopilot, and save thousands in interest.¹
Outsmart your debt by syncing your repayment with your paydays — whether weekly, bi-weekly, or monthly — helping to fast-track your payoff and cut down on interest.¹
And you can simplify the whole shebang with our ‘set & forget’ auto withdrawal schedule, which makes it easy to stay on top of your financial commitments.♦
Use this calculator to estimate interest savings and loan payoff acceleration when using 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.**
No long-term commitment. No strings attached.
Enroll
Takes ~5 Minutes
(have info ready)
Add Debt
Credit Card, Mortgage, Auto, Student,
or Personal Loans ok!
Link Bank Account
Connection Secured
by Plaid
Set Schedule
Sync to Payday or
Other Schedule
When you add optional Acceleration to your custom withdrawal schedule, you can pay off your loan faster and pay less in interest.¹
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Disclosures
¹Interest 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.
² 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.
*This analysis is an estimate only. This illustrative example demonstrates the reduction in mortgage payments and the interest saved by opting into biweekly accelerated payments. 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.
This illustration has been simplified by 1) assuming a standard escrow value and 2) no change in the current monthly payment.
** 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
© EarnUp 2025 All Rights Reserved
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.