Piecewise matches borrowers with their optimal repayment plan based on their income and spending.
Our system matches borrowers with repayment plans based on debt and income data and current student loan policies.
Personalization on every level
Piecewise personalizes every student's process based on their needs and post-graduation outcomes. We personalize every student’s plan according to their loan situation.
All major loan servicers supported
Piecewise automatically integrates with all major loan servicers to create live insights into students’ debt situations and decreases workload for students.
A positive experience for students
Piecewise uses explanations and examples that help students understand their debt. We use lively content to reduce financial stress and empower students with applicable knowledge.
Top-notch data security
Piecewise uses bank-level encryption to protect borrowers’ information. Piecewise’s read-only access means we never hold borrower information on our servers.

Why Piecewise?

We are student debt borrowers ourselves that understand the complexities of the repayment process. Our goal is to help every student debt borrower understand and overcome their loans.
Thousands of students have completed exit counseling through us.
It takes minutes for schools from setup to launch and requires no training.
Students feel confident and ready to tackle their student loan repayment.
Most students give Piecewise exit counseling a 5-star review.


We are not a student loan servicer. We are a neutral platform built by student loan borrowers on a mission to help you overcome debt and save money. We help borrowers learn about and repay their loans, but we do not hold any loan balances ourselves.
We are not a debt collection agency. We will never share borrower information with servicers or other third parties without prior consent. We are actively working to change the way people repay student debt, and as student debt borrowers ourselves, we do everything in our power to protect borrowers and prevent them from defaulting.
Yes. We secure all borrower data with 256-bit encryption, the same level of security that banks use. We use the same trusted provider that Venmo and American Express do. We do not share any of your personal information to third parties without prior consent.

Borrowers: If you don't know who your loan servicer is, call the Federal Student Aid Information Center at 1-800-433-3243.