Best Debt Student Apps

188+ iOS apps curated and reviewed

4.5 avg rating
19 free apps
Updated May 2026

Looking for free debt student apps? 19 of our 188+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Top Picks for Debt Student

Debt Payoff Planner & Tracker#1

Debt Payoff Planner & Tracker by OxbowSoft LLC

Debt Free Snowball Calculator
Editor's Choice
💰 Finance
4.7😊(6.7K ratings)
FreeAdsIn-App Purchases
#62in Finance
Debt Payoff Planner & Tracker screenshot 1
Debt Payoff Planner & Tracker screenshot 2
Debt Payoff Planner & Tracker screenshot 3
Debt Payoff Planner & Tracker screenshot 4
Debt Payoff Planner & Tracker screenshot 5
Debt Payoff Planner & Tracker screenshot 6

Create a personalized, step-by-step plan to pay off your loans faster. Input your debt details and budget to see customized repayment schedules and track your progress towards becoming debt-free.

What We Love

  • 💯 Excellent debt tracking and planning
  • 🔍 Detailed debt breakdown and payoff timeline
  • 🎯 Helps stay motivated and on track
  • 👍 Simple and easy to use interface

Room to Improve

  • 🐛 Occasional app crashes and stability issues
  • 📆 Lack of flexible payment frequency options (weekly, bi-weekly)
  • 💰 Frustration with premium-only features
AES Student Loans#2

AES Student Loans by Avereo

Strong Contender
💰 Finance
4.6😞(16K ratings)
Free
AES Student Loans screenshot 1
AES Student Loans screenshot 2
AES Student Loans screenshot 3
AES Student Loans screenshot 4
AES Student Loans screenshot 5

Manage your student loan account conveniently from anywhere. Access account details, make payments, and update your information. Get support and plan for successful loan repayment.

What We Love

  • 👍 User-friendly app
  • 💡 Convenient payment process
  • 🚀 Simple and straightforward

Room to Improve

  • 🐛 Frequent login issues
  • 🐛 Blank screen after login
  • 🐛 Face ID/Touch ID not working
Student Loan Calculator#3

Student Loan Calculator by Astro Media Inc

Eliminate Your Student Debt
Worth Considering
🔧 Utilities
4.8(21 ratings)
Free
Student Loan Calculator screenshot 1
Student Loan Calculator screenshot 2
Student Loan Calculator screenshot 3
Student Loan Calculator screenshot 4
Student Loan Calculator screenshot 5
Student Loan Calculator screenshot 6

Calculate key student loan details like monthly payments, total interest, and savings from extra payments. Export your amortization schedule to a CSV file for detailed analysis. Get personalized recommendations to help you eliminate debt faster.

More Debt Student apps to explore

4
Student Debt & Loan Calculator
Student Debt & Loan Calculator
Student Debt & Loan Calculator
Track & Understand Your Loans
Free

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.

Early payoff calculationsAmortization breakdownConsolidated loan view
📚 Education
(100)
free with in-app purchases
5
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Debt Payoff Box: Snowball Plan
Loan Tracker and Planner
Free

This app helps you organize and plan to pay off your debts efficiently. It supports various payoff strategies and allows you to track your progress, offering insights into interest and time savings. Get a clear overview of all your debts in one place to achieve financial freedom.

Debt payoff planningSnowball and avalanche methodsExtra payment strategy
💰 Finance
(2.3K)
free with in-app purchases
6
Relief: Get out of debt
Relief: Get out of debt
Relief: Get out of debt
Reduce your credit card debt
Free

This app helps users reduce their credit card debt by negotiating with creditors and stopping collection harassment. It aims to settle debts for less, potentially reducing balances by up to 60%, and offers legal support throughout the process.

Debt eligibility analysisReduction request submissionStop collection calls
💰 Finance
(1.4K)
free with in-app purchases
7
Freedom Debt Relief
Freedom Debt Relief
Freedom Debt Relief
Client Dashboard
Free

Manage your debt relief plan efficiently with instant notifications for settlement offers. Track deposits, balances, and savings, and stay updated on active settlements. Access your online dashboard for more resources.

Instant settlement offer notificationsReview and authorize offersView upcoming deposits and balances
💰 Finance
(18K)
free
8
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Ditch: Pay Off Debt Faster
Automate Payoff & Track Debt
Free

Effortlessly pay down debt with automated roundups from your purchases. Track all your loans, gain personalized insights from an AI assistant, and discover debt-friendly budgeting strategies to reach your financial goals faster.

Automated purchase roundups to debtSmart debt tracking and progress visualizationAI financial assistant for insights
💰 Finance
(1.2K)
free with in-app purchases
9
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
Debt Free –Pay Off Debt Faster
With Debt Snowball Method
Free
$0.99 | 100% OFF

This app helps you organize, monitor, and pay off your debts using the debt snowball method. Analyze repayment models to predict your debt-free date and save time and money. Includes built-in calculators for monthly payments, loans, and mortgages.

Debt organization and monitoringDebt snowball payoff methodDebt repayment modeling
💰 Finance
(955)
free with in-app purchases
10
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Debt Snowball - Payoff Planner
Credit card & payment tracker
Free

This app helps you get out of debt faster by implementing popular payoff strategies like Snowball and Avalanche. Track multiple debts, set payment schedules, and monitor your progress to save money on interest and become debt-free sooner.

Add multiple debtsChoose repayment frequencyTrack payments
💰 Finance
(1K)
free with in-app purchases
11
Student Loan - Scholarships
Student Loan - Scholarships
Student Loan - Scholarships
Student Debt Calculator Grants
Free
💰 Finance
(0)
12
Chip: Paying Off Student Loans
Chip: Paying Off Student Loans
Chip: Paying Off Student Loans
Round-Up. Chip Away. Cut Debt
Free

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.

Automated spare change round-upsDirect loan paymentsInterest payment reduction
💰 Finance
(11)
freemium
13
Sallie Mae
Sallie Mae
Sallie Mae
Manage your Sallie Mae account
Free

Manage your student loans and credit cards conveniently from your mobile device. Check balances, make payments, set up auto-pay, and track loan applications. Secure login options and in-app messaging provide easy access and support.

View account summary for loans and credit cardsMake payments on student loansSet up and manage automatic payments
💰 Finance
(101K)
free
14
Loan & Debt Tracker
Loan & Debt Tracker
Loan & Debt Tracker
Debt-free journey
Free

Manage all your debts and loans in one place. Track money owed to you and money you owe to others, with clear overviews of balances and due dates. Achieve financial freedom with tools to help you stay organized and motivated.

Track borrowed and lent moneyManage student loans, credit cards, and personal debtsClear overview of balances and due dates
💼 Business
(2)
free
15
LAUNCH Servicing
LAUNCH Servicing
LAUNCH Servicing
Manage Your Student Loans
Free

Easily manage your student loans from your mobile device. View statements, make payments, update your information, and track loan details like balances and interest rates. Securely access your account and get support from the servicing team.

View monthly statements and payment historyMake one-time or recurring paymentsSetup and manage bank accounts
💰 Finance
(4.6K)
free
16
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Achieve GOOD: Get Out Of Debt
Debt Relief & budget app
Free

This app helps you track spending and create a personalized plan to get out of debt faster. Gain insights into your financial habits and see estimated timelines for becoming debt-free. It allows you to prioritize debt repayment and explore potential debt solutions.

Track spendingCreate debt payoff plansView financial insights
💰 Finance
(809)
ad-supported
17
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
WalletHub: Credit & Budgeting
Improve Credit, Budget & Save
Free

This app provides free daily credit scores and reports, along with budgeting tools and a personalized plan to improve your financial health. It helps you track spending, manage debt, and find better deals on financial products.

Free daily credit scores and reportsPersonalized credit improvement planBudgeting and spending tracker
💰 Finance
(10K)
free with in-app purchases
18
Debt Fix
Debt Fix
Debt Fix
Plan To Payoff Your Debt
Free

Easily track your debts and create a personalized payoff plan. Get a clear financial breakdown, analyze your progress with a report page, and utilize an amortized schedule to see all your payments. Start your journey to financial freedom.

Debt trackingFinancial breakdownPayoff plan development
💰 Finance
(11)
free with in-app purchases
19
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Pay Off Debt by Jackie Beck
Your best debt payoff plan
$4.99

This app helps you create and stick to a debt payoff plan using methods like debt snowball or avalanche. Visualize your progress and stay motivated on your journey to becoming debt-free.

Debt payoff planningDebt snowball methodDebt avalanche method
💰 Finance
(34)
paid
20
Student Loan Payoff Calc
Student Loan Payoff Calc
Student Loan Payoff Calc
Plan your debt-free date
Free
💰 Finance
(0)