"If you have Student Loans, you need this app" - Mark Cuban, ChangEd Investor

“…I already feel like it is helping me make a dent in my student 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 student loans without effort! What a great idea. Using your spare change to pay your student loans.” -A review from Leslie

Collect change, pay down Student Loans, get out of debt sooner and save money! Download the app that has helped send over $2.5 Million in extra student loan payments for our members. AKA the Squirrel Squad.

You have student loans...we all do (including all of the founders of ChangEd), and it's the biggest burden in our lives. Committing to 10,15, 25 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 main 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 student loans.

•BOOSTing your savings
You also have the option to BOOST your savings directly in the app and knock out those student loans when you have an extra $20 here and there.

•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 the roundups from your everyday purchases. Once your ChangEd balance reaches $100, we automatically send a payment to your student loan servicer to be applied as an extra payment! 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 student loans. Earn points for completing milestones in the app.

•Student Loan Resources
Resources to help you learn more about your student loan debt and how to pay it off sooner.

**Average users save $30-$50/month in spare change roundups**

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

**ChangEd charges a simple $1/mo from your ChangEd balance**

**Roundups and savings are automatic! So are the time-and-money saving payments toward your student loans!**

**Contact if you have any questions! We’re here to help.**

ChangEd reduces the need to budget for additional payments toward student loans because it aligns with your natural spending and automates the whole process. Just use your spending card as you normally would and watch your accumulated change become a powerful tool to help pay down those loans and be free from the burden of student loans debt. Join the student loan revolution and save thousands of dollars and gain years of your life back.

R.I.P. Student Loans!

What’s New

Version 3.18

Hi Squirrel Squad! We've made some updates you've been asking for and more improvements. In this update:

- Adds resume transfers option when paused
- Improves signup screen

Ratings and Reviews

4.8 out of 5
1.1K Ratings

1.1K Ratings

PrinceHector ,

Surprised! It’s useful!!!

Like many others on here I found myself pleasantly surprised after a few months. I downloaded and linked everything about 5 months ago one day when I heard about it and was bored. Admittedly I was skeptical and the user interface was a bit choppy.

Since then, they’ve improved it a bit and they are about to send my 5th payment of $100!! I even checked my student loan account and yup the payments are applied.

Overall, while it has some flaws, this app is so useful especially for me that I deferred and am not paying my loans right now, but this is keeping the interest at bay! And I plan on keeping this going when I do start paying so that it increases the rate at which i pay off my loans!

I recommend this app to friends and colleagues all the time

Developer Response ,

Hi PrinceHector!

Thank you for the Amazing review! If you ever feel the need to give some feedback on improvements feel free to drop us a line at, our ears are always listening. Stay tuned for awesome updates to come!

RIP Student Loans,

The ChangEd Team

Trident509 ,


I was Really excited to be get going after hearing what was possible inside of this app. Unfortunately my experience has been less than satisfactory. From the beginning there were problems syncing my bank account inside the app. I continued to get error messages so I reached out to the support team. At first they got back to me and told me the issue was resolved since they saw it as synched. I explained that I had just re-synched it and all they were seeing was a short period of the app working correctly. I had to re-submit a complaint to support. They responded that they were investigating and that I would have a follow up shortly. That was 10 days ago. By now I’ve given up. It never worked from the beginning.
RIP Changed App

Developer Response ,

Hi Trident509,

Thank you for leaving us some feedback. We do apologize for the delay in our second response and we do try to work with connection issues in a timely manner. Unfortunately, certain issues may take some time as we work with our banking integrations team to resolve this. We will reach back once we have some actionable steps but feel free to follow up if you would like an update. We appreciate your patience here and we hope we can resolve this issue soon.

RIP Student Loans,

The ChangEd Team

booncity ,

One and Done

I originally signed up for the app a year ago. Connected my bank account, my loans, and was off to the races on saving money and making a payment. Eventually I got to the point where a loan payment was made, great! However, a little over a month later I moved states and subsequently bank accounts (from a ‘traditional’ bank to a federal credit union). When I went to link my new credit union up, they had implemented the Plaid interface, which my credit union is not a part of. It’s been 8 months now that my account has been on hold and I just keep going round and round with support with no answers. I loved this concept, still want to, but not worth the hassle at this point.

Developer Response ,

Hi There!

Thank you for leaving us some feedback. We do appreciate your patience as we request to add your Credit Union. Although we do submit these requests to add more financial institutions our partners add more financial institutions based on demand. We work with financial institutions directly so if you do have someone from your Credit Union reach out to us we can accelerate this process.

RIP Student Loans,

The ChangEd Team


ChangEd LLC
105.9 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© 2019 ChangEd Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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