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

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.

AI-native, human-centered financial wellness benefits.

Learn more

Workplace benefits that work for every employee, at every stage of financial wellness

Shoring up for a rainy day

Has a child in college

Just graduated school

Saving for retirement

Plan for college

Help workers save for college, find affordable private loan offers, and get reimbursed for educational expenses.

Repay student debt

Offer self-serve repayment optimization tools and budget-friendly extra payments, plus expert coaching services and sponsored student loan contributions.

Build savings

Enable workers to build stability and security with solutions for emergency savings and SECURE 2.0-friendly student loan retirement matching.

Meet Cait

Cait™ powers our Core platform. Cait, our Conversational AI Tool, is deployed in our Core platform — where it delivers intuitive, personalized guidance for college planning and student debt repayment.

Meet Cait

Here’s how it works:

What will you achieve with Candidly?

Unlock loyalty and engagement

The modern workforce wants to know their employer is committed to their financial wellbeing. We make it easy to show you care — and reap the rewards.

See how

Candidly users who receive student loan contributions from their employer are

73%

less likely to turn over¹

Attract and retain today's top talent

Stand out from the crowd and offer a benefit proven to positively impact retention.

See how

Employees who engage with Candidly’s core platform are

39%

less likely to turn over ²

Drive meaningful impact

Our all-in-one platform drives real impact for every employee, no matter where they are in their financial wellness journey.

See how

Switching to a new repayment plan with Candidly saves the average user

$337

per month³

Candidly is making an impact for
employers and employees alike

97%

of employees with student debt enroll in employer contributions. ⁴

“We’ve had unsolicited direct feedback from employees who have shared their appreciation … much more than we’ve historically seen with our other offerings.”

Josh Zorich, Total Rewards Analyst at American Eagle Outfitters

83%

Candidly users feel an average of 83% more confident after completing a Coaching session. ⁵

“For the first time ever, I felt like I was not doing this alone!”

Manhoor, Candidly user

“I feel so grateful for this service. I feel so much more capable of managing my loans now.”

Marlowe, Candidly user

$2.3 billion

Candidly has generated $2.3 billion in impact for its users to date. ⁶

“Before Candidly, I felt like my student debt would never go away — but now I see the light at the end of the tunnel.”

Laura, Candidly user

61%

of PSLF forms submitted through Candidly come from first-time applicants. ⁷

“As a nonprofit, we have to find ways to stay competitive with other sectors despite generally lower salaries. Sharing the impact we’ve created with Candidly, and especially with the PSLF solution, is a powerful way to engage existing employees and to stand out in our recruitment efforts.”

Lois Woods, Director of HR at Fred Finch Youth & Family Services

Your success is our success

Customer success program

From onboarding to program support, we help guide you to success at every stage of your Candidly experience.

Exclusive content

Find exclusive, expert-crafted educational content and resources — for both employees and employers — embedded throughout the platform.

Dedicated user support

Our dedicated user support team delivers fast, friendly, tactical and service assistance — so you can focus on driving impact and engagement.

Explore more benefit solutions

¹ Based on Candidly platform data retrieved as of January 2026.

² Measured by the difference in churn on employer census files between those who create a Candidly account and those who do not.

³ Based on Candidly platform data from users who received plan assessments for income-driven repayment programs. Retrieved as of January 2026.

⁴ Based on Candidly data retrieved as of March 2024.

⁵ Based on survey all-time data from internal Candidly coaching users through January 2026.

⁶ Based on data retrieved from internal Candidly sources as of January 2026. Impact represents projected payments and savings over the life of borrowers’ loans, based on engagement with the Candidly platform and includes certain expectations and assumptions. Actual results for any individual user may vary.

⁷ Based on Candidly platform data retrieved as of January 2026.

AI-native, human-centered financial wellness benefits.

Workplace benefits that work for every employee, at every stage of financial wellness

Meet Cait

Here’s how it works:

What will you achieve with Candidly?

Unlock loyalty and engagement

Attract and retain today's top talent

Drive meaningful impact

Candidly is making an impact for employers and employees alike

Your success is our success

Customer success program

Exclusive content

Dedicated user support

Explore more benefit solutions

Student Debt Solutions

Student Loan Employer Contributions

Coaching

Public Service Loan Forgiveness

Student Loan Retirement Match

Candidly is making an impact for
employers and employees alike