Best Debt Student Apps

244+ iOS apps curated and reviewed

4.3 avg rating
20 free apps
Updated August 2026

Looking for free debt student apps? 20 of our 244+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Debt Student Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Changed: Automate Debt PayoffChanged: Automate Debt PayoffFree4.6ā˜… (5.5K)YesNoSep 2026
2Student Debt & Loan CalculatorStudent Debt & Loan CalculatorFree4.3ā˜… (103)YesYesAug 2026
3Chip: Paying Off Student LoansChip: Paying Off Student LoansFree4.3ā˜… (11)NoNoAug 2026
4Debt & Loan Calculator - Pay Off Debts and LoansDebt & Loan Calculator - Pay Off Debts and LoansFree1.0ā˜… (6)NoYesAug 2026
5Student Loan CalculatorStudent Loan CalculatorFree4.8ā˜… (21)NoNoJul 2026
6Intuit Credit KarmaIntuit Credit KarmaFree4.8ā˜… (7.7M)NoNoSep 2026
7Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6ā˜… (22K)YesYesSep 2026
8Loan & Debt TrackerLoan & Debt TrackerFree4.0ā˜… (2)NoNoSep 2026

Top Picks for Debt Student

Changed: Automate Debt Payoff#1

Changed: Automate Debt Payoff by Changed Inc.

Track Debt, Pay It Down Faster
Editor's Choice
šŸ’° Finance
4.6😐(5.5K ratings)
FreeAds
Changed: Automate Debt Payoff screenshot 1
Changed: Automate Debt Payoff screenshot 2
Changed: Automate Debt Payoff screenshot 3
Changed: Automate Debt Payoff screenshot 4
Changed: Automate Debt Payoff screenshot 5
Changed: Automate Debt Payoff screenshot 6

This app helps you pay off debt faster by automating extra payments from everyday purchases and allowing you to track all your balances in one place. It supports various proven payoff strategies and calculates potential interest savings.

What We Love

  • šŸš€ Helpful in paying off loans
  • šŸ’” Automatic debt payments
  • šŸ‘ Easy to use
  • šŸ¤‘ Saves money without noticing
  • šŸŽ‰ Motivating to see progress

Room to Improve

  • šŸ› Connectivity issues with accounts
  • šŸ•°ļø Slow payment processing
  • šŸ’ø Subscription fees
  • šŸ¤– Poor customer support
  • šŸ”’ Difficulty accessing/withdrawing funds
Student Debt & Loan Calculator#2

Student Debt & Loan Calculator by ChuChu Train Productions

Track & Understand Your Loans
Strong Contender
šŸ“š Education
4.3(103 ratings)
FreeAdsIn-App Purchases
Student Debt & Loan Calculator screenshot 1
Student Debt & Loan Calculator screenshot 2
Student Debt & Loan Calculator screenshot 3
Student Debt & Loan Calculator screenshot 4
Student Debt & Loan Calculator screenshot 5

Manage and understand your student loan debt with this comprehensive calculator. It helps you visualize payoff schedules, analyze amortization, and explore early payment strategies to save money. Export your loan data for further analysis.

Chip: Paying Off Student Loans#3

Chip: Paying Off Student Loans by Chip, LLC

Round-Up. Chip Away. Cut Debt
Worth Considering
šŸ’° Finance
4.3(11 ratings)
Free
Chip: Paying Off Student Loans screenshot 1
Chip: Paying Off Student Loans screenshot 2
Chip: Paying Off Student Loans screenshot 3
Chip: Paying Off Student Loans screenshot 4

This app helps you pay off student loans faster by automatically saving spare change from your purchases. It rounds up transactions to the nearest dollar and uses the accumulated amount to make direct payments towards your debt, reducing interest and loan term.

More Debt Student apps to explore

FAQ about Debt Student

What are the best debt student apps for iPhone?
Changed: Automate Debt Payoff tops our debt student apps ranking as of August 2026, with a 4.6-star average from 5.5K App Store ratings, and it's free to download.
Yes — 20 of the top debt student apps we rank are free to download, including Changed: Automate Debt Payoff and Student Debt & Loan Calculator.
Changed: Automate Debt Payoff shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 244+ debt student apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a debt payoff planner and tracker designed to help users reduce their balances and become debt-free faster. It automates extra payments from everyday purchases and allows users to track all their debts in one place.
Key features include automating extra payments by rounding up purchases, boosting payments anytime, scheduling recurring payments, and tracking various debt types like credit cards, student loans, and mortgages. It also supports popular payoff strategies like Debt Snowball and Debt Avalanche, and includes a debt calculator to estimate savings.