The Math
Lump Sum
Payment Calculator
Visualize exactly how much sooner you'll be debt-free by applying a bonus, buyback, or one-time payment directly to your principal.
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Eliminate Debt Sooner
Extra payments applied directly to your principal drastically change the life of your loan. By lowering the balance that interest is calculated on, you reclaim your future faster.
Compounding Math
Every dollar redirected to principal reduces the base balance for next month's interest calculation. This simple strategy compounds over time, shaving months and thousands of dollars off your total debt.
How Interest Works
Tax-Free Contributions
Leverage IRS Section 127 to redirect bonuses or PTO buybacks into tax-free student loan payments up to $5,250 annually. Convert your gross bonus into high-impact debt payments without the tax drag.
Tax-Free Bonus Strategy
PTO Buyback Boost
Don't let leftover PTO expire or be taxed as standard income. Redirecting it into your loan principal is one of the most efficient ways to accelerate your debt-free date.
Boost Your PTO Buyback
On-Demand Speed
Paidly On-Demand allows you to schedule extra payments outside of standard payroll cycles. Apply your lump sum today and start saving on interest immediately.
Explore Bonus Conversion
Don't have a Student Loan Benefit yet?
We can help you start the conversation with your employer to present the benefits to your HR or benefits manager.