Frequently asked questions

What does APAY do?

APAY is an app that helps people manage their student loans. We keep track of all your loans in one place, allow you to make extra payments towards your loans, and provide recommendations on how to pay off your loans faster.

Should I use APAY?

Yes! APAY aims to support everyone with a student loan. Right now we’re focused on building tools for people that are on Standard & Graduated repayment plans.

Do I have to pay for APAY?

APAY is free. However, there is a small fee for payment processing.

What is a Funding Source?

Your funding source is your checking account that is linked in APAY. This is where we will pull the funds for the payment to your loans.

Can I make payments with APAY?

Coming Soon!

How long does it take for payments to hit my loan? -

Generally, payments can take 7-10 business days to show up on your loan. If you have not seen payment go through after this time frame, please reach out to us and we can get you taken care of at

Do you support any loan forgiveness programs?

Not at this time. We’re working hard to offer support for Public Student Loan Forgiveness. We look forward to building out features to support people on that journey.