Chipper: Crush Student Loans 4+

Student Loan Debt Payoff App


Designed for iPad

    • 3.9 • 97 Ratings
    • Free



Student loan debt can feel overwhelming; count on Chipper to help you find the way out. Chipper is a simple, user-friendly student loan app that helps you identify the best repayment and forgiveness programs, automatically enroll, and start accelerating your payments, all from the app.

81% of Chipper members find a better plan. Chipper members eligible for Income-Driven Repayment (IDR) plans save an average of $308 per month, that’s $3,696 a year! Those who are forgiveness eligible will have an average of $66,000 forgiven from their student loans with our help!

Why you'll love Chipper:
- Check your eligibility for 150+ loan assistance, income-driven, and forgiveness programs
- Automatically enroll and apply for the plans and programs that are best for you directly from the app
- See and manage all of your student loans in one place
- Get fair & honest guidance in-app from real student loan experts

Explore (Repayment & Forgiveness):

EXPLORE YOUR OPTIONS FOR FREE. You may be eligible for student loan forgiveness and/or lower monthly payments on your current loans, without refinancing!

Explore in three steps:
- Securely link your loans
- Answer a few questions to see what plans you're eligible for
- Compare and choose what's best for your situation

We guide you through the rest (cost: completely free)

With Chipper+ you'll get:

CHIPPER CONCIERGE. Get access to us 1-on-1, we're real people who will help you determine your best options. Plus, our simple app enables you to digitally complete and submit all documents and applications.

Chipper Concierge in three steps:
- Sign-Up for Chipper Concierge in the app
- Schedule an optional 1-on-1 call with a student loan expert - get the answers to your student loan questions!
- If you're forgiveness eligible, max out your forgiveness amount!
- Apply for the plans and programs that are best for you - we'll do the paperwork for you!

Round Ups 2.0
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 monthly maximum and minimum

We do the rest of the work for you

"I spend money here and there, and it's nice to know no matter what I’m putting a bit extra into the stuff that really matters."

- Cynthia B., Chipper member


Chipper isn't a lender or a loan servicer - we securely process your information and let you know which options that are available to you - all for free. If you want 1-on-1 guidance, Chipper Concierge gives you access to real student loan experts to help you determine your best options and the confidence that your paperwork is properly filled and submitted.

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.

Student Servicers We Work With:

- Navient
- Great Lakes
- Nelnet
- Fedloan
- Sallie Mae
- Mohela
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Please reach us in-app or email us at if you have any issues or requests.

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Made with love and weirdness in Austin.

What’s New

Version 2.4.7

* Fixed mismatched banner for iPhone X and newer
* Simplified dashboard for new users to explore Chipper's products

Ratings and Reviews

3.9 out of 5
97 Ratings

97 Ratings

GHJunkie ,

Love Chipper!

I was extremely skeptical when I came across Chipper but I am so glad I gave them a try. Jessica and Chipper have been a life saver! I am so grateful for their help! I was drowning in student loans and the amount I was expected to pay a month, over $1000, was impossible. But thanks to Jessica and Chipper I was able to consolidate all of my federal loans into one and then get onto the right payment plan for me. I am so grateful! I am now enrolled into the PSLF program and am on the path to having all of my loans forgiven! That’s $94,212 forgiven!!! I can breathe again. Thank you Jessica and Chipper! I will definitely be recommending Chipper to everyone!!

vbnxoxo ,

I got forgiven $5,000 off my student loans!

I graduated with my Masters in reading education back in 2015. I've been making monthly payments toward my loans ever since. But it just feels like the majority of my payments are going straight toward the interest and the principal is just hanging in there waving at me! Luckily, I stumbled across Chipper!
I discovered I’m eligible for Public Service Loan Forgiveness AND Teacher Loan Forgiveness! I’ve decided to pursue Teacher Loan Forgiveness and will be forgiven $5,000 off of my student loan debt!!!

arennie ,

Tears of joy!

After applying for student loan forgiveness on my own for many years, I found Chipper from a fellow teacher that had student loans forgiven. I thought maybe I would get a few thousand forgiven if I was lucky - but I received notice from Navient that I had $17,500 forgiven! I cried and was in a state of shock!! Please consider using this app to save yourself money!! It worked for me and I couldn’t be more thankful.

App Privacy

The developer, Chipper, 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 Linked to You

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

  • Contact Info

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

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