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1

https://tiaa.new-media-release.com/mit-agelab/

2

https://www.federalreserve.gov/publications/2017-economic-well-being-of-us-households-in-2016-education-debt-loans.htm

3

https://www.cnbc.com/2023/04/11/58percent-of-americans-are-living-paycheck-to-paycheck-cnbc-survey-reveals.html#:~:text=Between%20higher%20costs%20and%20a%20possible%20recession%20on%20the%20horizon,conducted%20in%20partnership%20with%20Momentive

4

Candidly helps users select and enroll in the optimal repayment plan, saving those who qualify an average of $358 per month. Based on users who received plan assessments for income-driven repayment programs between Jan 2020 and April 2022.

5

Between July 2019 through May 2022, users sent an average of $45 in extra payments to their loans through gamified repayment and auto-payment tools. Calculation assumes these contributions are made on a loan with a balance of $34,000 and 6% interest rate over a 17-year term, consecutively. These loan averages are provided by educationdata.org as of July 2021. Educationdata.org compiles data from a number of sources including the Department of Education, National Student Loan Data System and Measure One.

6

Based on user surveys conducted before and after a session with a Candidly coach.

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Trusted by hundreds of leading employers, financial institutions and record keepers

Tackle the #1 barrier to financial wellness in the workplace and the wallet

People

79%

79% of borrowers say their student debt holds them back from saving for retirement. 1

People

$393

The average borrower spends $393 on student loan bills each month. 2

People

58%

58% of Americans now live paycheck to paycheck. 3

79%

79% of borrowers say their student debt holds them back from saving for retirement. 1

$393

The average borrower spends $393 on student loan bills each month. 2

58%

58% of Americans now live paycheck to paycheck. 3

80 million Americans have student debt or are currently planning or paying for college. Candidly cultivates long-term engagement by offering solutions for every user, which can be delivered as an employee benefit, or seamlessly integrated into a partner’s native experience.

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From funding to forgiveness - and everything in between

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Plan

Take smart, practical, and informed actions from the beginning and all along the borrower journey.

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Fund

Tap into a network of trusted lending partners to choose the best-priced option and make informed choices when taking on student debt.

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Repay

Optimize your debt repayment strategies to reduce payments, refinance at a lower rate, or accelerate repayment to reduce the overall cost of borrowing.

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Build

Save on student loans and take the next best action on those dollars to maximize financial resilience, whether via retirement savings, investments, or a rainy day fund.

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Users save money for today and build financial resilience for tomorrow.

$358

monthly average savings 4

Candidly frees up this capital so it can be put to work in savings, retirement, and investment.

5 years

saved over the course of repayment 5

Candidly moves people beyond student debt, which markedly decreases stress and improves wellness.

77%

boost in confidence 6

Candidly users report feeling 77% more confident about their finances after meeting with a student loan coach.

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