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Why Cait?
Expertise
Unlike generic AI apps, Cait is deeply specialized in a wide variety of college planning and student debt topics.
Security
Rest assured that your information is safe. Our platform is backed by industry-leading security standards and accreditations.
Tailored guidance
Cait offers personalized guidance that is based on your unique financial background and goals and designed to help you move forward with confidence.
How Cait can help
Cait can help optimize your repayment strategy, analyze your loan portfolio, find college funding options, and more.
Student loan payoff options
Compare income-driven repayment plans and standard options to find the strategy that fits your budget and saves you the most money over time.
Repayment optimization
Build a personalized strategy for goals like accelerating repayment, saving on interest, and feeling more confident about your student debt.
College search and comparison
Search over 2,000 colleges, compare costs and programs side-by-side, and get personalized recommendations based on your student’s academic and financial profile.
Scholarship discovery
Find scholarships your student qualifies for from a database of over 5,000 opportunities, with eligibility matching and application guidance to maximize funding potential.
Student loan portfolio analysis
Upload your loan data to receive a comprehensive analysis of your student debt, including interest, payment schedules, and refinancing opportunities.
College savings calculator
Calculate a monthly savings goal that considers 529 plan projections, inflation modeling, investment growth scenarios, and your student's age and college timeline.
1,2: Statistics are based on simulated user testing conducted in a controlled environment designed to replicate real-world borrower behaviors and demographics. Results reflect outcomes from over two million synthetic test scenarios and may not represent actual user experiences. Individual results will vary based on personal financial circumstances, loan details, and available repayment options.
3: Statistics reflect internal evaluations of Cait compared with leading general-purpose AI models, including 300 structured comparisons across accuracy, policy currency, conciseness, and security. Results are from controlled model analyses and may not reflect real-world user experiences. Individual results will vary.
Cait provides educational information and tools and does not provide individualized legal, tax, investment, or financial advice.
Chat with Cait — anytime, anywhere, for free
AI-powered financial wellness
Meet Cait
Cait is an AI coach that offers personalized guidance for student debt and college planning — anytime, anywhere, for free.
68%
More likely to find a money-saving repayment plan with Cait 1
$32,800
Average student debt savings realized with Cait 2
More accurate
Cait uses exact formulas, while generic AI’s calculations can be off by more than 80% 3