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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.
Extra payment planning
See how making extra payments — even small ones — can help you pay down debt faster and reduce the total interest you pay over time. Build a strategy that fits your budget and shows the real impact of accelerating payoff.
Student loan refinancing options
Explore private refinancing opportunities to potentially lower your interest rate or monthly payment. Compare options based on your financial profile and goals, and understand when refinancing makes sense — and when it doesn’t.
Student loan portfolio analysis
Upload your loan data to receive a comprehensive analysis of your student debt, including interest, payment schedules, and refinancing opportunities.
Smart payment prioritization
Get guidance on which loans to prioritize first based on interest rates, balances, and forgiveness eligibility. Understand how popular payoff strategies can help you make progress with confidence.
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 student debt support
Your AI Coach for Student Debt
Cait offers personalized guidance for your student debt repayment strategy — 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
