Changed - Automate Debt Payoff 4+

Do Debt Differently‪!‬

Changed Inc.

    • 4.6 • 4K Ratings
    • Free

Screenshots

Description

"If you have Debt, you need this app" - Mark Cuban, Changed Investor

“…I already feel like it is helping me make a dent on my loan debt. It is super simple to use, and I enjoy checking to see how much I’m saving. I also love the updates they give you on how much you are saving when they send your round-up receipts. Overall, I think it’s a great resource!”

- Sam, a Changed member

“I’ve been able to send an extra $1,000 over the last year to my loans without effort! What a great idea. Using your spare change to pay your student loans.” -A review from Leslie

Roundup change, pay down your Credit Cards, Mortgage, Auto Loan, Personal Debt, or Student Loans, and Save with Stash My Cash. Get out of debt sooner, and save money with Stash My Cash! Download the app that has helped pay off over $60 Million worth of debt.

You have debt...we all do (including all of the founders of Changed), and it's the biggest burden in our lives. Committing to 10,15, 25, or 30 years of repayment is no joke. Changed shortens your repayment and gets you out of debt sooner.

How does The Changed App work?…

•Spare change roundups

Simply link your spending cards and we do the rest and save for you automatically. Changed aligns with your natural spending, makes small roundups to the next dollar, and applies the accumulated change toward your debt. Put your savings on Auto-Pilot!

•Stash My Cash

With Stash My Cash, you can automate your savings so you have some backup money in an emergency savings fund or you can set a goal to save for a big purchase. When you set up Stash My Cash, you can split your savings between paying off debt and saving. Or you can just send 100% of your savings to Stash My Cash. You're in control.

•Link Multiple Loans and Credit Cards

Changed covers all loan servicers. From Aidvantage, Rocket Mortgage, Mr. Cooper, Great Lakes, Huntington Bank, FLS, SoFi, MOHELA, Nelnet, Earnest, CommonBond, and many more. Link your loans and cards in your main hub and track your savings in your Changed dashboard!

•Boosting your savings

You also have the option to BOOST your savings directly in the app and knock out debt when you have an extra $20, $50 or $100 here and there.

•Scheduled your Boosts

Schedule transfers to save on your own terms. $15 every Friday? $1 every day? It's up to you and on your schedule.

•Automate savings and payments

Changed runs in the background to save for you and automatically send payments. Set-it-and-forget-it. Changed makes transfers to your personal FDIC-insured Changed account based on roundups from your everyday purchases. Once your Changed balance reaches your set threshold, we automatically send a payment to your loan servicer or credit card company to be applied as an extra payment! Whether you have a mortgage, student, auto, credit card, or personal loan, we're here for you. Sit back and take years off of your repayment!

•Rewards for Saving and sharing

Changed PERKS is the only program that rewards you for getting ahead of your debt. Earn points and bonuses for completing milestones in the app.

•Loan Resources

Resources to help you learn more about your debt and how to pay it off sooner.

**Average users save $60-$70/month in spare change roundups**

**Link multiple credit/debit cards to analyze for roundups**

**Changed starts at $4/mo**

**Roundups and savings are automatic! So are the time-and-money saving payments toward your loans or Stash My Cash!**

**Contact support@changedapps.com if you have any questions! We’re here to help.**

Changed reduces the need to budget for additional payments toward your debt because it aligns with your natural spending and automates the whole process. Just use your credit/debit cards as you usually would and watch your accumulated change become a powerful tool to help pay down debt and be free from debt. Join the Payoff Debt Revolution and save thousands of dollars and gain years of your life back.

R.I.P. Debt!

What’s New

Version 4.52

A few minor updates to improve your experience:
- Updated Know Your Loan (KYL) courses in app
- Added foundational features for future updates
- Made a few updates to your notification center
- Bug fixes and General approvements

Ratings and Reviews

4.6 out of 5
4K Ratings

4K Ratings

Owl-Moon ,

Love this app from the beginning!

I started using this app in 2017, and I tell everyone about this app. Thanks to this app and my spare change, I might actually pay off my loan by the start of the new year! (A great way to start 2021 since 2020 sucked.) And for reference, I finished college in 2002. It takes time for money to transfer, but be patient and watch your bank account. I was impressed that when I contacted the developers asking about my first $100 transfer, I quickly received a personal response with an explanation on how it can take about seven days. Right now, my only “complaint” is that after an update a few years ago, my data seemed to stop showing my “interested saved” and time saved details. While that is not as important as knowing that my money is safe, I like knowing those little details as it gives me a sense of accomplishment. I don’t want to delete and download again to see if that fixes anything, but if you got any suggestions, I’m will to hear them. Overall, you won’t regret using this app to save you money in the long term on your student loans.

*** Edit: As soon as I posted, the developers reached out to offer help with my “complaint”. Again, amazing app with support staff. You will not regret using this to help save you money!

Developer Response ,

Hi Owl-Moon,

Thank you so much for your amazing feedback! We couldn't be happier to hear ChangEd is getting you to the finish line! If you are having trouble seeing your savings just tap on the get support button in settings and we'd be happy to help.

RIP Student Loans,

The ChangEd Team

MissyHood ,

Super Stoked

Just got my first payment sent and I am SO HAPPY about it! I started using this app in Dec 2019 when I seen it on shark tank. I was kinda skeptical at first but omg! It’s great. Every dollar spent is rounded up even a whole dollar is rounded to nearest dollar. In 3 months I was able to put $100 towards one of my loans! I haven’t even started making payments on them yet, I just finished my degree last week. This is extremely helpful in getting that balance down sooner. $100 every 3 months really adds up so you may not think it’s worth the hassle of linking you account(s) and your loan(s) but it is totally worth 10min of screen flipping to save an extra $400 a year towards your student loan.

Developer Response ,

Hi MissyHood!

Thank you for your amazing review! We couldn't be happier to hear the ChangEd is knocking out your loans sooner!

RIP Student Loans,

The ChangEd Team

TheGingerAsh ,

A good idea but it could use some improvements

I really like idea of money rounding apps such as this or ones that invest rounded change for you. However I wasn’t able to actually use this one. Unlike the investment apps I’ve seen this one takes a little more initiative on the users part to sign up. It’s not as simple as giving permissions to sync with your banking account and student loan account. It requires reviewing numerous screens on your loan account to find all their requested information. It does break it down for you and show you where to find all the required information according to who your loan provider is but in the end it wasn’t worth the aggravation.
This isn’t a payment plan so it’s not really a necessity and isn’t going to make you’re life easier. You’ll still need to makes sure your amount is paid in full each month. For me it wasn’t worth the hassle just to put a few dollars into the accounts each month.
Overall it’s a great concept but not worth the hassle.

Developer Response ,

Hi TheGingerAsh,

Thank you for leaving us some feedback! If you're having trouble finding information please reach out to us at support@changedapps.com. We'd love to do our best to help! You can easily reach out within the settings of your profile. We are working on a major update as well that will be released this month to make direct linking to student loans possible.

RIP Student Loans,

The ChangEd Team

App Privacy

The developer, Changed Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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