Student loan debt can feel overwhelming; count on Chipper to help you find the way out. Members save an average of $6,400 and 2.5 years in repayment.

Why you’ll love using Chipper:
• Qualify for smarter student loan payments on your federal loans; some plans include forgiveness
• See and manage all of your student loans in one place
• Chip away your debt painlessly with Round-Ups
• Pay off your student loans faster with Boosts
• Know your debt-free date and interest you'll save with Roundup and Boost payments with the built-in loan calculator
• Save money by paying down your highest-interest loans first
• Get fair, free & honest advice in-app from real people
• Get family and friends involved with Pool

SIDEKICK (Repayment Planner):
You may qualify for lower monthly payments on your current loans now. Without refinancing.

Sidekick in three steps:
- Link your loans
- Answer a few questions to see what you're eligible for
- Compare and choose what's best for you
We guide you through the rest (cost: completely free)

Pay down your loans without even feeling it with Round-Ups. As you spend money on normal purchases like groceries or gas, we apply the change to your highest-interest loan.

Round-Ups in three steps:
- Link your loans
- Link the cards you use to shop with
- Stay in budget with a weekly maximum and minimum
We do the rest of the work for you (cost: 50 cents for each weekly Round-Up transaction completed)

“Seeing years knocked off of my debt, based on my weekly payments reassured me that I can do this. These small payments are stepping stones for something greater.”
- App store reviewer

See how fast you can pay off your total debt with Boosts: small monthly payments to your highest-interest loan. Run on autopilot, or make one-time Boosts and calculate the time and interest you're saving.

Set up Boosts in three steps:
- Link your loans and bank account (once)
- Choose monthly or one-time payment
- Choose the amount
We handle the rest. (cost: $2; charged only for your first Boost of the month)

We are passionate about empowering student loan borrowers like you. If you have any questions about your loans, reach out in-app or email

Who needs another birthday gift card? Let those who love you most help you move onto your next adventure: financial freedom.
Help your friends pay off their debt, too! #NoMoreRandomGifts

Pool in three steps:
- Link your loans
- You get a unique URL
- Share your unique link privately (or not) as you prefer
We handle the rest and keep you updated (cost: $3 per payment applied to your loan)


Chipper isn't a monthly subscription service; billing only happens based on actual payments to your loans. (50 cents for each weekly round-up payment, $2 on your first Boost payment of the month.) You will, as a Chipper app member, never pay more than $2 in any month regardless of how much you use any of the services on Chipper. Sidekick (repayment planner) and 1:1 student loan help are free to everyone.

Security, Control and Peace of Mind
Your peace of mind is our highest priority. We work with some of the world’s largest financial institutions to hold our security measures to the highest standards. We use 256-bit encryption, and we do NOT store your banking information on our servers or sell any of your personal information to third parties.

Please reach us in-app or email us at if you have issues or requests.

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Made with love and weirdness in Austin.

What’s New

Version 2.3.6

Users are able to discover all of their federal student loan repayment options, in addition too discovering if they are eligible for forgiveness programs. With our new Chipper Concierge, you can set up 1 on 1 meetings with our student loan experts, to discuss your available options, as well as, getting help filling out any forgiveness application.

Ratings and Reviews

4.0 out of 5
42 Ratings

42 Ratings

Dave from Nashville ,

Helpful to pay off loans

I found the app to be very helpful in paying off student loans. In less than a year, chipper paid over $900 towards loans just by putting spare change and weekly round ups.
Very nice people to work with!
Deactivating my account was a little drawn out, but that’s my only complaint. Overall great app!

Spurs353535 ,


This app has outstanding design and I have not run into any of the technical deficiencies or glitches that others have reported in months of use. I also feel much better about my student loan situation and had been looking for an app like this for a long time.

Hscagnoli ,

The best student loan reducer app!!!

I can’t even begin to tell you what a great app this is and the staff I have worked with personally, Jessica, and owner, Tony! Always available to help out with feedback or chats when I ask a question.

Another bonus is the Chipper loan feature: *this has helped me so much in reducing my loan and monthly payments
*you will spend $15-40 on something anyway you might as well use it to reduce your student loan and pay it off early

So many awesome features and upcoming!! I can’t say enough good things about this company and app! And all based in Austin, TX! Keep it weird!!! 😃


Be Chipper, Inc.
2.7 MB

Requires iOS 13.5 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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