Student Loan Repayment Benefit
Offer customized recurring employer student loan repayment benefit plans for your employees.
On-demand Payments
Make supplemental student loan payments on your schedule.
529 Contributions
Support your employees and their families with direct contributions to their 529 educational savings plans.
Bonus and PTO Buyback
Redirect Bonuses and Convert PTO to Tax-free Student Loan Benefits
Benefit Professionals
With your expertise as a Benefits Professional, let's join forces to create beneficial student loan plans that make a real difference.
Become a partner
We welcome any opportunity to connect with other business partners in our mission to make student loan assistance more accessible.
Student Loans
Get lower rates on student loans with our student loan partners.
The Math
Student Loan
Benefit Calculator
A supplemental employer payment can save you thousands in interest and bypass years of repayment. Enter your loan details below to see the impact of a Paidly student loan benefit.
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Understanding the Impact
The strategy behind employer student loan repayment is simple yet powerful. By targeting principal directly, you bypass the standard interest-heavy repayment curve.
Compounding Interest Savings
Extra monthly payments through Paidly are applied directly to your principal. This reduces the base amount on which interest compounds every month, creating a snowball effect that accelerates your debt-free date.
How Interest WorksPermanent Tax Savings
Employer contributions up to $5,250 annually are permanently tax-free under IRS Section 127. This allows you to receive your full benefit amount without any income tax withholding.
Explore Tax-Free BenefitsOn-Demand Repayment
Don't wait for standard payroll cycles. With Paidly On-Demand, you and your employer can schedule supplemental payments that hit your loan servicer in real-time to maximize interest reduction.
Explore On-DemandSmarter Projections
Our calculator accounts for your current balance and rate to provide high-fidelity forecasts. Understanding these variables is the first step toward reclaiming your future.
Don't have a Student Loan Benefit yet?
The best way to get a student loan benefit is to start the conversation with your employer. We can help you present the benefits to your HR or benefits manager.