Frequently Asked Questions

Have a question not listed here? Contact our support team here.


About the app

GradJoy does the hard work of managing your student loans. First, we learn about your goals and unique financial situation. Then, we analyze all of your student loans. Finally, we create a comprehensive plan tailored to your personal goals.
You'll be debt-free in no time!
We know student loans are a pain, and all the information out there is confusing and misleading. We built GradJoy so that everyone could get unbaised recommendations on how to get quickly get rid of all their debt.
Yes! GradJoy will analyze your loans and financial situation and suggest the best way to lower your monthly payments.

Some of the options might include: applying for Income Driven Repayment (IDR), or looking into refinancing.
Yes! GradJoy will analyze your loans and financial situation and suggest the best way to lower your overall balance.

Some of the options might include: Optimizing your future payments (to lower your interest charges), explore forgiveness options, or looking into refinancing into a lower interest.
Yes! Forgiveness plans such as the Public Service Loan Forgiveness program are complicated, but are a great option. GradJoy will help make sure you are always on track. Everything from making sure you are in the correct payment plan all the way to helping you file the required forms.
Yes! GradJoy is completely free.
GradJoy does not replace your servicer. We pull all of our data directly from your servicer in order to help you be debt-free faster. You will still continue to make all your payments with your servicer.
GradJoy does not replace your servicer. We pull all of our data directly from your servicer in order to help you be debt-free faster. You will still continue to make all your payments with your servicer.

About the team

GradJoy is being built by a team of the top engineers and finance experts. The team is dedicated to building a great, user focused, experience.
GradJoy is based out of Austin, TX.
GradJoy is backed by top investors in the Education and Finance space. Including Y Combinator (S19)

Security & Privacy

In short, GradJoy encryptes all of your data at all times (at rest & in-transit). We use AES-256 bit encryption and TLS throughout. This is the same security banks use!
You can find our privacy policy here: https://gradjoy.com/privacy. We value trust and privacy. In short, GradJoy will never share any of your loan information, including student loan balances and terms, account numbers, lenders, and education history with any third-party tool, platform or company.