Due to exciting new changes we're temporarily pausing all Chipping features.

Lower Your Payments

Does your monthly student loan payment feel too high? Don’t worry, we got you!

You could qualify for lower monthly payments, maybe even $0

The best part, it's completely free!

Cap your monthly payments in proportion to your income
Flexibility if your income changes
Consolidate your loans for one easy monthly payment
After 20 to 25 years, any remaining balance on your loan can be forgiven
How It Works
Discover your eligibility

Link your loans and tell us a little about yourself. We’ll check different savings programs to see which one you’re eligible for.

Compare your options

Compare all your repayment options side-by-side to find the best fit for your situation.

Easily enroll online

Pick a repayment plan and we'll guide you through the online enrollment process.

How Chipper can help you

Discover & Understand Curated Repayment Options

Chipper examines 150+ loan assistance, income driven, and forgiveness programs you may be eligible for.

We present the repayment plans you're eligible for side-by-side so you can easily compare and understand your options.

Pros / Cons of each plan = transparency

Apply & Manage

Apply, manage, and make payments to all of your loan servicers directly
from the Chipper app.

Chipper is free to find your best plan and to manually enroll!

Loan Forgiveness

If you work in education, public service, or for a non-profit you could have your loans forgiven!

60% of borrowers forget to submit recertification paperwork for Income-Driven Repayment plans
Auto-Enrollment

Quickly enroll into any program directly from Chipper. We also manage annual (re)certification for income-driven and forgiveness programs.

We’ve set out to replace student loan servicers
altogether and streamline the repayment process
Over 25,000 student loan borrowers trust Chipper to manage their loans

Manage and automate every aspect of your student loans and never have to deal with servicers again!

Committed to your safety
Powerful Security

We protect your data with bank-level security and 256-bit encryption.

Serious Privacy

We do NOT sell your personal information.

Real Transparency

We keep you updated on your payments along the way.

Peace of Mind

Reach us in-app or by email. We're always here to help!

Got Questions?

An income-driven repayment plan sets your monthly student loan payment at an amount that is intended to be affordable based on your income and family size.

There is no cost to discover and manually enroll in the Income-Driven Repayment. If you wish to automatically enroll, there is a cost of $39 per year. Which includes automatic yearly recertification, loan and plan management, and alerts if you ever become ineligible for any reason.

You must have federal loans. Unfortunately, private loans are not eligible. 

You will need to recertify your income and family size every year. But don’t worry, we can help you recertify.

Yes, for free at anytime.

No, choose the best plan for you and apply only once.

Got a specific question? Chat with us!