Join thousands of student loan borrowers chipping away more than $200 million in student loans.
“Chipper is the only student loan app you’ll ever need." - Dan Macklin, SoFi Co-Founder and Chipper Board Member
“Chipper is the most exciting finance app of 2019.” - Jake Gibson, NerdWallet Co-Founder and Chipper Investor
Chipper is the easiest way to chip away your student debt. The average Chipper member is on pace to save over $6,400 and 2.5 years!
HOW IT WORKS
It's super simple. In 3 minutes you'll be on your way to being debt free years faster.
1) Link Your Accounts - Connect your student loans and cards you use to buy stuff every day.
2) Spend Like Normal - Go about your daily life and spend money like usual. We'll round up each transaction to the nearest dollar.
3) Watch Your Loans Disappear - Sit back and feel chipper as you watch your student loans get chipped away every week!
CHIP AWAY WITH FULL CONTROL
When you speak, we listen. Because of your feedback we’ve added some powerful features to give you full control and flexibility to chip away your debt at your own pace.
* Finally, manage all of your loans in one place and model out different repayment scenarios to see how much faster you can become debt free
* Chipper Pool - Essentially, a GoFundMe account for your student loans! You can invite the important people in your life to become your sidekicks in conquering student debt.
* Min / Max Feature - Be in full control of your round-ups by setting a minimum and maximum to ensure you stay within your budget
* Weekly Payments - At the end of each week we tally up your round-ups and send a payment to your highest interest loan
* Chipper Boost - Set up a recurring contribution every month to knock out your debt faster!
* Make one-time contributions whenever you get a little extra dough
* Skip Payments - easily skip upcoming payments whenever you like
$2 TO FINANCIAL FREEDOM
A silly low monthly fee to save you thousands of dollars and years on repayment. Not sure why you would, but cancel anytime.
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 do not store your banking information on our servers, and we only access it when we need it.
For more information, please visit https://www.chipper.app
Your parents, family or friends can now HELP YOU chip away your Student Loans!
Chipper Pool is essentially a GoFundMe account for your Student Loans! You can invite the important people in your life to become your sidekicks in conquering student debt.
When you download Chipper and link your student loans you automatically get a Pool account. Just share the special link with family and friends and we take care of the rest. Your contributors can set up recurring contributions or make one-time payments on special occasions like your birthday, graduation, or just because.
You’ll be able to see all of your incredible supporters in your dashboard and the details of their gifts, so you can thank them.
Ratings and Reviews
I love the premise behind this app; round up payments from each transaction to help pay off debt. Works well but I miss the feature where it sends monthly payments rather than weekly. If it sends weekly, at least with my loan, I only goes to the interest and isn’t very helpful. They have some other options though that work well. They debit your account at the beginning of the month and you typically see it hit your loan by the 15th. The chat option has been super helpful as well. The online support has been very informative and while they were still working some bugs out of the system, they reached out to me to let me know that my payment source wasn’t connecting anymore. Overall a good idea to help make a little more progress on loans.
Developer Response ,
Hi Kailbill, thank you so much for love. We're working hard to make the app better and better every week and have some exciting features coming out soon.
I'd love to get your feedback/insight on monthly payments and few other features we're exploring. Shoot me an email (firstname.lastname@example.org) if you're up for chatting.
Great app overall
Developer Response ,
Thank you for the feedback. We are excited to launch this feature where members can take more control over their payments by setting minimum and maximum payment amounts. Keep Chippin’
Good idea in theory but...
According to their website and FAQ, the payments they make are towards the principle amount, and not the interest, and thus decreases the amount of your debt faster. However, my loan provider, Nelnet, has a record that the amount paid for last month was towards the interest, not the principle.
I also tried looking at my past round-ups of the month prior, but nothing comes up. I don’t know what’s going on. On top of all that, the diagram that shows the projected amount of student loans seems to be shifted towards the right and off my screen. It might just be my phone, as it is a model that is more than 4 years old and I refuse to get a new one until it dies, but all the other apps I have seem to adjust to my phone with no problem.
I have sent in a question to their support team in the app a week ago and have not heard back at all. It seems they have too few people handling customers and not enough foresight to handle the job they gave themselves. They may also be operating on too low a cost. I’m going to give them till the end of the month to answer me. If they don’t, I’ll pause all payments and ask for a refund.
Edit: They have contacted me before the end of the month, but they haven’t really adequately addressed my concerns. I’m not deleting the app yet, but I have paused payments. They still take forever to respond, though. They should honestly change the statement on their chat function from “within a few hours” to “within 1-7 business days”.
Developer Response ,
Thank you for the thorough feedback and review. We apologize for all delays as had to ramp the team up.
Thank you for being with us. Our last release addressed many issues users were having. Please reach out as we would like to connect further at
With Family Sharing set up, up to six family members can use this app.