Your organization
- Sign a 1.5-page agreement. Cancel anytime. No cost.
- Share the benefit with employees. Finnita provides the materials.
- That's it. Finnita handles enrollment, paperwork, and ongoing recertification.
Like giving your employees a raise — at no cost to you.
Finnita enrolls your employees into the federal repayment programs that can dramatically reduce their student loan payments. Free to your organization. No admin burden. 98% success rate.
Your employees are overpaying on their student loans — and most don't know they can fix it
The average American carries about $38,900 in federal student loan debt. Federal programs exist to dramatically reduce monthly payments — but only 11% of borrowers who try on their own succeed. The rest keep overpaying every month.
Student loan stress doesn't just hurt your people. It hurts retention, it hurts focus, and it hurts the bottom line. Generic financial wellness benefits — articles, calculators, webinars — don't solve it. Your employees don't need more information. They need someone who gets it done.
$38,900
average federal student loan balance per borrower
11%
succeed on their own
98%
succeed with Finnita
Lower payments now. Forgiveness later.
Federal income-driven repayment plans (IDR) tie your employees' monthly payments to what they actually earn — not to the original loan terms. For most borrowers, this means a dramatic drop in the monthly payment, often by hundreds of dollars. Calvin's payment, as one example, dropped from $579 to $156.
And after 20 to 25 years of qualifying payments, any remaining balance can be forgiven. Most borrowers don't know which plan fits their loans — or that the clock is ticking whether they enroll or not. Finnita identifies the right plan, enrolls each employee, and manages annual recertification every year so no one loses progress.
What your organization does vs. what Finnita does
Finnita
- Works with employees to assess their optimum repayment opportunities.
- Handles all enrollment — paperwork, employer certification, servicer coordination.
- Manages annual recertification so no employee misses a deadline.
Calvin's monthly payment dropped from $579 to $156 — and he's on track for $29,000 in projected loan forgiveness
Calvin is an engineer at a private engineering firm with $109,000 in student loan debt. Before Finnita, he was on the standard repayment plan paying $579/month.
| Before Finnita | After Finnita |
|---|---|
| $579/mo payment | $156/mo payment |
| Standard repayment | IDR (25-year) |
| Total debt: $109,000 | Total debt: $109,000 |
| No forgiveness path | $29,000 projected forgiveness |
What customers are saying
Huge shout out to Cori B, who has been my guide and reliable consultant throughout my journey. I have been able to come to her with all my questions, send her copies of letters I receive that confuse me and she always reaches back out, to reassure me, explain to me and educate me on the current situation. I have never once had to question if this is the right thing to do, or if I was on the right path.
It was a great experience. The team was very professional, extremely knowledgeable and there was no pressure to sign up. They went over my options and made me feel comfortable in my decision.
Very happy with the service and thrilled with the savings! Extremely easy and smooth process. 10 out of 10!
Questions, answered
Is this really free to my organization?
Yes. Finnita is completely free to the employer — no fees, no minimums, no budget line item. Borrowers pay for the service directly, and they're net-positive from month one: the average customer saves $468/month. There's no cost, no risk, and no administrative burden to your organization.
What does my organization actually have to do?
Sign a 1.5-page agreement and let your employees know the benefit exists. That's it. Finnita provides communication materials. We handle enrollment, paperwork, and ongoing annual recertification. Your HR team doesn't manage anything.
My employees don't work in public service — are they still eligible?
Yes. The federal programs we focus on for private-sector employees are income-driven repayment plans, which are available to nearly every federal student loan borrower regardless of employer. These plans can dramatically reduce monthly payments based on income, and any remaining balance can be forgiven after 20 to 25 years of qualifying payments.
We already offer financial wellness benefits. How is this different?
Financial wellness programs educate employees about their options. Finnita enrolls them. We don't host webinars or send people to a self-service portal — our team completes the paperwork, coordinates servicer communications, and manages annual recertification. The difference is the 98% success rate.
How do we know Finnita is legitimate?
Finnita is a Delaware Public Benefit Corporation with values written into our corporate charter. We have a 98% enrollment success rate across all customers and all programs, and a 100% refund guarantee if enrollment fails. We never refinance federal student loans and never will. Other organizations like yours are already using Finnita.
What if an employee can't be enrolled?
100% refund. If Finnita can't enroll a borrower, every dollar is returned. No risk to the employee, no risk to your organization.
