Collect Change, Pay Down Student Loans

You have student loans...we all do, 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. The ChangEd app works by helping collect spare change from everyday purchases for additional payments onto your loan, effectively shortening your loan term and even saving you thousands in interest costs. ChangEd aligns with your natural spending, makes small roundups to the next dollar and applies the accumulated change toward your loans.

ChangEd makes transfers to your personal FDIC-insured based on the roundups from your everyday purchases.

Once your ChangEd balance reaches $100, we automatically send a payment to your loan servicer to be applied as an extra payment! Sit back and take years off of your repayment!

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

**Link a second card to analyze for roundups**

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 2.05

Hi Nickel and Dimers!

Here at the ChangEd office, when we're not thinking about how to knock out our own student loans quicker, we're updating the app to help make it easier for you to Nickel and Dime your student loans!

This update is one for the books. (No...not $400 textbooks) We're making the improvements you asked for.

This shiny new update includes:

From our Tech team -
Updates save package for linking and reconnecting bank to improve user experience

What that Means -
Now you can pick up where you left off with your roundups if your bank ever gets disconnected. Not a single penny left unrounded!!

We love feedback for all of our fellow student loan repayers! Have suggestions or just want to tell us about how much you want to get rid of your student loans? Drop us a line -

Ratings and Reviews

3.3 out of 5

76 Ratings

76 Ratings

Needs work

Jerky Pie

#1 no no for developers across the globe. Do not have a "delete account" button only to have it pop up with an alert to instead email your company. No, I want to delete the account, not talk to a representative of the company in order to do so. Very very bad user interaction. This app needs a ton of work besides that feature. The last time ChangEd took money from my account, there were five different monetary numbers displayed on the app, which I had no idea what any of them were in regards to. On top of that, they took out a different number from my bank account! I canceled right away and asked for a refund within the first few days of seeing the transfer they made. The refund apparently did not include the $1 charge per month the app takes out (which I was unaware of ¯\_(ツ)_/¯). I'm not a stickler about the charge, $1 is nothing - but it's the premise of the situation. I was literally hooked up to their system for maybe a week, and even though the app couldn't even function as promised (on several manners but especially not being able to connect the account to my student loans) they still felt they were worthy enough to keep the $1. Great idea, but apparently the outsourced devs have a ton of work to do before you lend over your money to this service.

Developer Response

Hi there!

Thank you so much for the amazing and detailed feedback. We take feedback seriously and it helps us make ChangEd and even more powerful tool for student loan borrowers everywhere! We are aware of some of the issues you experienced and we would love to address a few of your concerns.

1. Delete account button - We ask that ChangEd members reach out when looking to pause or delete their account to ensure any refunds due are processed accordingly. We get that this isn't the most user-friendly low-touch way to pause or stop service but not getting a refund applied properly is something we never want to happen.

2. Usability - We understand that there are some usability issues that need updating. We're working hard to make sure ChangEd is as easy as possible to use! Our priority is security and functionality to make sure that we're moving your money in the safest and most effective way to help you save on your student loans.

3. $1/mo fee - We charge this from your first transfer and then once a month from the date of your first transfer. We like to allow all members to get a chance to see how the app works and to see how much they can save before we charge anything. This simple $1/month helps ChangEd cover some of the costs of moving money and maintaining members' FDIC-insured ChangEd accounts. This details of this fee are clearly laid out in the Terms of Service that is presented before you sign up.

4.Connecting to your Student Loans - When a ChangEd member enters their student loan details, we verify the account numbers and owners with the loan servicer directly. This ensures that the account is active, has a balance, and payments can be sent to the balance of their loan.

5. Our dev team - Our development is done internally. Our team works super hard to make sure ChangEd is super secure and is saving a member's spare change to pay off their student loans. We're growing our team and hope to have more people on working through some of the issues you experienced.

We hope this answers some of your concerns and we really do appreciate the feedback. Please feel free to reach out to our team directly if you have any other concerns -

Rounds up whole amounts too


Like a couple of other reviewers, I saw this on Shark Tank and decided to give it a try. Since it’s been a couple of days, I’ve only gathered up $4.50 in spare change, which isn’t bad. So in that aspect, it does exactly what it says on the tin.

However, this is important, it didn’t just round up purchases that were for pennies on the dollar, it added an extra $1 for each purchase that was an even on the dollar amount. Based on the apps description, I would think it only works with uneven transactions and not flat dollar amounts. Something like that should be clarified in the description as I didn’t expect that. I like the concept, but that needs to be addressed.

All over the place

Elle Kaycee

Very confusing set up. Doesn't explain what the difference between "bank account to round up" and "funding bank account" is. Also never explains what micro deposits are, what account to look for them in, what to do with them...etc. It's taken me weeks and a lot of frustration setting this up. It's also not easy to reach someone. Email isn't returned right away and the phone number they finally provide in the email goes to a generic, unprofessional voicemail. Can't delete app unless you email them, which I'm about to do, but already expecting the deletion to take as long as the failed set up. Very disappointed. I was really looking forward to this. What a shame.


ChangEd LLC
75.8 MB
Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© ChangEd LLC


  • Family Sharing

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

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