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

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

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

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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.

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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.

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

AI-native financial guidance, built for the enterprise and every end user.

We enable enterprise organizations to deliver scalable, AI-native financial wellness experiences for the people they serve. Personalized down to the individual.

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Trusted by hundreds of leading employers, financial institutions, and recordkeepers

Helping hardworking Americans move beyond debt, into wellness, toward wealth.

We meet people where they are: at work through their employers, and inside the financial institutions they already trust.

For platforms

AI-native guidance, embedded within your digital properties.

Turn your data and distribution into engagement and better financial outcomes. Candidly delivers personalized, conversational guidance in your experience, your voice, with your methodology, and compliant by design.

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For employers

AI-powered financial wellness benefits that employees actually use.

Empower employees to navigate every stage of education financing — from college planning through student debt repayment — while unlocking the full value of your holistic benefits program. Modular and configurable by design.

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Candidly’s AI capability library, configured to your use case

Cait is our enterprise conversational AI: multi-modal, white-label ready, and compliance-forward, delivering personalized guidance across every digital touchpoint you own. Powering Cait is the Candidly Intelligence Center, a library of ten specialized agents that combine deterministic math, vetted decision frameworks, and real-time data across every financial domain we serve. Configure the capabilities you need and deploy through Cait, MCP, or API.

What can you achieve when AI meets impact?

More personalized, more impactful, and more intuitive. Discover what’s possible with our enterprise-grade AI solutions.

Deliver impactful guidance

Deploy AI that accounts for real-world complexity and individual circumstances while freeing your users from the uncertainty that keeps them trapped in the cycle of suboptimal financial health.

Drive engagement and conversion

Context-aware product recommendations surface your products and services — precisely when clients are ready to act.

Prioritize innovation and experience — today and tomorrow

Our flexible deployment and white-labeling capabilities mean you can join the AI financial wellness revolution quickly — in your experience, and in your voice.

Note: Videos on this page are illustrative examples of user experiences the Candidly Intelligence Center is designed to power. Actual functionality and appearance may vary depending on configuration.

Capabilities across the financial spectrum, bundled to your needs.

We enable enterprise organizations to deliver scalable, AI-powered financial wellness experiences for the people they serve. Pick a bundle, or build your own.

Retirement bundle

Guidance for 401(k) and IRA contributions, retirement account visibility, student loan retirement match eligibility, and retirement savings scenario modeling.

Wealth management bundle

Guidance across 401(k), brokerage, 529s, and outside accounts; Invest America Account, employee stock purchase plans, and college planning guidance.

Education financing bundle

College planning; student debt repayment and forgiveness; full liability profile across all debt types; real-time budgeting; and benefits intelligence.

Build your own bundle

Combine any capabilities across debt, savings, retirement, wealth, and benefits to match your audience and use case.