The ChangEd App 4+

Student Loans, Paid Off Sooner

ChangEd LLC

    • 4.7 • 3.5K Ratings
    • Free



Now you can save in your Stash My Cash account with or without linking a loan to pay off. So if you're debt-free, CONGRATS! Use Changed to automate your savings.

"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 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 with Stash My Cash! Download the app that has helped send over $25 Million in extra student loan payments for our members. AKA the Squirrel Squad.

You have student loan 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 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 student loans. 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 saving 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 Student Loans

Changed covers all student loan servicers. From Navient, Great Lakes, AES, FLS, SoFi, MOHELA, Nelnet, Earnest, CommonBond, and many more. Link your student loans 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 those student loans when you have an extra $20 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 student loan servicer to be applied as an extra payment! Whether you have a consolidated loan, federal loan, or refinanced 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 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 $50-$60/month in spare change roundups**

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

**ChangEd charges a simple $3/mo from your ChangEd balance**

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

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

Changed reduces the need to budget for additional payments toward your loans because it aligns with your natural spending and automates the whole process. Just use your credit/debit cards 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 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 3.46

Hey Squirrel Squad!

We've got a few updates in this release. We've added some features to help you make sure you're saving and added some security updates. In this update, we added -

- SMS verification
- A SmartSave feature to ensure your savings don't get interrupted
- Added an onboarding screen to explain the functionality of Stash My Cash
- You can now enter a savings BOOST manually
- We found a few bugs, told them that they shouldn't be here, and kindly asked them to leave.

Notes on the last update below:

Stash My Cash is the Squirrel Squad's version of a rainy day fund. On top of helping with your student loans, we’re making it super easy (and automated) to save in an emergency savings account for those unexpected expenses. With Stash My Cash you can…

- Set a savings goals
- Split your transfers between your Stash My Cash account and your Payoff account
- Pay off your student loans and save to have a nest egg at the same time
- Set the amount of your savings goal
- Have peace of mind that you're automatically saving!

Much more to come in the next couple of months. Keep your app updated to get the latest and greatest.

R.I.P. Debt,

Your Changed Team

Ratings and Reviews

4.7 out of 5
3.5K Ratings

3.5K 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

boochie24 ,

Love it!

Now that I’ve had my first (and now second) payment sent off to my loan service, I thought I’d write a review! I’m really loving this app! It’s fun to watch the change add up and then be sent off as a payment. I will say, I did get nervous when I was about to hit my first goal (set at $100) It hit $99 and then stopped collecting my change. I eventually found out that my bank card had become unlinked though and when I linked it back up everything worked fine again! I’ve had two payments sent off now ($100 and $50) It’s cool to see that just rounding up on my purchases can add up to extra payments on my loan.

Developer Response ,


Congrats on your second payment! The new $50 threshold will now work twice as fast! Lets keep knocking down those loans!

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 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 LLC, 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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