Stoia

Pay Off Student Loans: The Fastest Honest Path

Target the highest rate, stop interest from capitalizing, and see your real payoff date. A free path for federal and private borrowers, no sign-up.

For graduates carrying federal or private loans.

  1. GuideHow to Pay Off Student Loans Faster: Six Levers, Worked in DollarsFederal vs private, capitalization, and the highest-rate-first plan.
  2. Free toolStudent Loan CalculatorStart with the truth: payoff date and total interest at today's payment.
  3. GuideDebt Snowball vs. Avalanche: Which Actually Gets You Debt-Free?Pick an order for every balance you carry, loans included.
  4. Free toolDebt Payoff CalculatorPut the loans next to the cards and see the whole payoff timeline.
  5. Course step 5Pay Off Debt for GoodThe full playbook: extra payments, refinancing trade-offs, credit repair.
  6. Free toolLoan Payoff CalculatorWhat an extra $100 a month does to the finish line.
  7. GuideSave or Invest? The Order of Operations for Every DollarWhere student loans sit in the order of operations for each dollar.

See your whole financial picture, calmly

Stoia brings everything you own and owe into one clear view. Launching in 2026 on iOS, Android, and the web.

Coming soon