Piecewise matches borrowers with their optimal repayment plan based on their income and spending. For schools, we help students from the start by using our analysis to deliver personalized, data-driven exit counseling.
Our system matches borrowers with repayment plans based on state and school-level analysis of federal loan performance, debt and income data, and current student loan policies.
Personalization on every level
Piecewise personalizes every school’s process based on their needs and post-graduation outcomes. We personalize every student’s exit interview 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 decrease workload for the financial aid office.
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.
We have much higher completion rates than the federal average.
Most students give Piecewise exit counseling a 5-star review.


If you don’t see your question below, don’t hesitate to reach out to us.
Tip: click on the cards to see the answers and learn more about Piecewise.
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 work with schools to 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 and school 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.
Piecewise provides personalized exit counseling to set up every borrower with their optimal repayment plan to ensure that they can afford their student debt repayment and don’t default on their student loans.
Setting up Piecewise is incredibly easy and requires no training whatsoever. Book a quick demo to learn more.


Our median rating from students is 5 stars. Below are testimonials from recent Piecewise users.
I felt like Piecewise was on my side. It was way more interesting and informative than my own exit counseling, where I was super overwhelmed with information and didn't learn half as much.
Chloe | Grinnell College, Class of 2016
There was great guidance on getting in touch with my servicer during the exit counseling. I’m learning a lot! Transparency on fleek.
Alex | Miami University, Class of 2018
The way the steps were written out for each task was easy to understand and written in a non-intimidating way. Talking finance always stresses me out, so to see the steps to understand and take control of my loans listed out in a familiar way took a lot of the stress out of the process.
Leah | Eckerd College, Class of 2015
This is my second time taking this exam (exit counseling). The first time was in 2017, before I graduated undergrad. This time I was able to comprehend better and it was very easy to complete the course.
Anonymous User | Pierce Colleges, Class of 2019

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