About Us

The story behind us and our mission

“As a first generation high school graduate who grew up in a small West-Texas town, I had to finance most of my out-of-state college education. I didn’t know what my financial aid options were and walked away with over $100,000 in student loan debt. As a 22-year-old in an entry-level position, my payments were almost half of my paycheck.

I felt confused and a little cheated. I did what I was “supposed to do.” I got my degree, got a job, but was still struggling to keep up with $1,000 a month payments. I knew I was not alone in this struggle, and decided to do something about it. This is why I created Chipper.”
– Tony Aguilar, CEO and Founder of Chipper

We believe the biggest economic issue in the U.S. can’t be solved by improving small pieces of a broken system—real change has to be foundational. So rather than make incremental improvements, we’ve set out to become the first student loan management company that replaces student loan servicers thus streamlining the entire repayment and forgiveness processes. By allowing borrowers to discover and automatically enroll in student loan forgiveness programs, income-driven repayment plans, and chip away at their debt faster with features such as Round-Ups, Recurring/One-Time Boosts, and Pool, we are making financial freedom from student loan debt more accessible and attainable.

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