"If you have Student Loans, you need this app" - Mark Cuban, ChangEd Investor

“…I already feel like it is helping me make a dent in my student 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! Download the app that has helped send over $2.5 Million in extra student loan payments for our members. AKA the Squirrel Squad.

You have student loans...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 main 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.

•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.

•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 the roundups from your everyday purchases. Once your ChangEd balance reaches $100, we automatically send a payment to your student loan servicer to be applied as an extra payment! 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 $30-$50/month in spare change roundups**

**Link a multiple credit/debit cards to analyze for 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.**

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 3.16

- Improved carousel interaction
- bug fixes

Ratings and Reviews

4.8 out of 5
868 Ratings

868 Ratings

Sam Roller ,

Best idea ever!

Over the past year I have used ChangEd. This service is amazing. At first I was skeptical. Like how protected is it really? Is it a scam? Will they take more money then they promise? How do they make their money? What’s the catch? If you’re naturally skeptical like me then just ask the staff at ChangEd. They are very quick to respond to my questions. I first started just living my normal financial life. Buying groceries, gas, eating out with friends or my wife. Little did I know that I was actually racking up all this spare change. And because I have it set to $10 roundups, I barely notice the money being deducted from my account. In 1 year, I’ve saved $700 is spare change. I didn’t even realize it was happening. And because those payments were outside of my normal monthly student loan payments, about 97% of the ChangEd payment went towards the principle amount. This app seriously works and if you’re skeptical, just shoot them a FB message and one of the founders may just write you back to answer your questions. Still unsure if they are all y’all and no action? Use the app for 1 month and see what it can do. You won’t be disappointed.

Developer Response ,

Hi Sam Roller,

We appreciate your awesome review! We're always here to answer any questions and always ready to send another payment to knock out your student loans.

RIP Student Loans,

The ChangEd Team

booncity ,

One and Done

I originally signed up for the app a year ago. Connected my bank account, my loans, and was off to the races on saving money and making a payment. Eventually I got to the point where a loan payment was made, great! However, a little over a month later I moved states and subsequently bank accounts (from a ‘traditional’ bank to a federal credit union). When I went to link my new credit union up, they had implemented the Plaid interface, which my credit union is not a part of. It’s been 8 months now that my account has been on hold and I just keep going round and round with support with no answers. I loved this concept, still want to, but not worth the hassle at this point.

Developer Response ,

Hi There!

Thank you for leaving us some feedback. We do appreciate your patience as we request to add your Credit Union. Although we do submit these requests to add more financial institutions our partners add more financial institutions based on demand. We work with financial institutions directly so if you do have someone from your Credit Union reach out to us we can accelerate this process.

RIP Student Loans,

The ChangEd Team

Kenyers ,

Lovvve this app

At first I was a little skeptical because it felt like it was taking forever to collect money or do anything, but it finally dropped a deposit and I was amazed. I realized it takes a while because it’s taking money without you realizing which means it’s not taking big chunks of money which I love. I do wish that the app explained what it was doing just a tad bit because for a long time I was trying to figure out why I was looking at a giant squirrel that slowly turned orange. Other than that great app.

Developer Response ,

Hi Kenyers,

Thank you for the review and great feedback! We are working towards improving the experience within ChangEd so your savings can be a bit clearer so please check for updates. Now that you do have a better understanding we hope you get excited every time you fill up an orange ChangEd squirrel. :)

RIP Student Loans,

The ChangEd Team


ChangEd LLC
104.9 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© 2019 ChangEd Inc.


  • Family Sharing

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

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