Built for People with student loan debt wanting a clear payoff path
The Best App for Managing Student Loan Debt
Student loans are complex — multiple servicers, different rates, various repayment options. Toffee brings everything into one place and shows you the fastest path to being done.
7-day free trial · iOS & Android
Everything You Need to Student Loan Tracking in 2026
Track All Your Loans
Federal, private, consolidated — add all your loans and see total balance, weighted average rate, and monthly obligations.
Payoff Timeline
See exactly when your last student loan payment will be made based on current payments.
Extra Payment Impact
See how paying $100 or $200 more per month changes your payoff date and total interest paid.
Avalanche Strategy
Identify which loans to pay off first to minimize total interest — often the private loans with highest rates.
Payment Reminders
Stay on top of monthly payments across multiple loan servicers.
Progress Tracking
Watch your total student loan balance decrease over time and stay motivated.
4.8 out of 5 on the App Store
Rated by people using Toffee to track and pay off their debt
How to Get Started with Toffee
Download Toffee
Get the app on iOS or Android and start a 7-day free trial on the annual plan.
Add Your Debts
Enter your credit cards, loans, and balances. It takes a few minutes and you only do it once.
Pick Your Strategy
Choose the debt avalanche (save the most money) or snowball (pay smallest debts first). Toffee shows you the difference.
See Your Debt-Free Date
Toffee shows you exactly when each debt will be paid off and what your debt-free date is.
Frequently Asked Questions
What is the best app to track student loans?
Toffee is a strong option for tracking student loans alongside other debts. You can add all your loans, see total balances, track payoff progress, and model how extra payments change your payoff date. For federal loan-specific features (IDR plan modeling, PSLF tracking), you may also want to check your servicer's app.
Should I use the avalanche or snowball method for student loans?
For student loans, the avalanche method (paying highest-rate loans first) typically makes sense — especially if you have a mix of higher-rate private loans and lower-rate federal loans. Toffee helps you model both approaches so you can choose the strategy that fits your situation.
How do I pay off student loans faster?
The most effective strategies are: (1) pay more than the minimum whenever possible, (2) use windfalls (tax refunds, bonuses) to make lump-sum payments, (3) use the avalanche method to minimize interest, and (4) avoid income-driven repayment plans if you can afford standard repayment. Toffee helps you track all of this in one place.
Can I track both federal and private student loans in Toffee?
Yes — Toffee lets you add any loan type. You can track federal and private loans together, see your total student loan balance, and build a strategy to pay them all off.
Free Tools & Guides
Free Debt Payoff Calculator
Enter your debts and compare avalanche vs snowball to see your exact debt-free date and interest savings.
Best Debt Avalanche App in 2026
The best debt avalanche app for 2026. Toffee automates the avalanche method — highest interest first — with interest savings math, payoff dates, and bill reminders.
Best App for Debt Payoff in 2026
Find the best debt payoff app for 2026. Toffee helps you eliminate debt with avalanche & snowball strategies, payoff date projections, and bill reminders.
Start Your Debt Payoff Journey Today
Start your 7-day free trial on iOS or Android.
iOS & Android · $29.99/year or $4.99/month