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˜… (5.4K)YesNoAug 2026
2Student Debt & Loan CalculatorStudent Debt & Loan CalculatorFree4.3ā˜… (100)YesYesAug 2026
3Chip: Paying Off Student LoansChip: Paying Off Student LoansFree4.3ā˜… (11)NoNoJul 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)NoNoAug 2026
7Loan Calculator - Debt PlannerLoan Calculator - Debt PlannerFree4.6ā˜… (22K)YesYesAug 2026
8Loan & Debt TrackerLoan & Debt TrackerFree4.0ā˜… (2)NoNoAug 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😐(5.4K 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

Room to Improve

  • šŸ› Connectivity issues with accounts
  • šŸ•°ļø Slow payment processing
  • šŸ’ø Subscription fees
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

4
Debt & Loan Calculator - Pay Off Debts and Loans
Debt & Loan Calculator - Pay Off Debts and Loans
Debt & Loan Calculator - Pay Off Debts and Loans
by Catrnja Dev
Free

Manage your debts with this intuitive tool. It automatically calculates payoff timelines using the debt snowball method, allowing you to accelerate your debt repayment by reinvesting previous payments into subsequent debts.

Debt managementAutomatic payoff calculationDebt snowball method
šŸ’° Finance
(6)
free with in-app purchases
5
Student Loan Calculator
Student Loan Calculator
Student Loan Calculator
Eliminate Your Student Debt
Free

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.

Monthly payment calculationTotal interest and interest savedExtra payment impact analysis
šŸ”§ Utilities
(21)
free
6
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
šŸ’° Finance
(7.7M)
free with in-app purchases
7
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Loan Calculator - Debt Planner
Mortgage, Car, School, Payday
Free

This app helps you understand the true cost of loans and mortgages by revealing total interest paid and payoff timelines. It allows for scenario comparisons, extra payment analysis, and detailed amortization schedules. Visualize your debt journey with graphs and access bonus calculators.

Reveals total interest paidCalculates debt-free dateAnalyzes extra payment savings
šŸ’° Finance
(22K)
free with in-app purchases
8
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
šŸ’¼ Business
(2)
free
9
Debt Eraser
Debt Eraser
Debt Eraser
Track & Settle Debt
Free

This personal finance tool helps you understand, manage, and address your outstanding debts. Input and track multiple debts, access educational resources, and generate pre-filled letters to communicate with creditors. Optional mailing functionality is available.

Track multiple debtsGenerate debt validation lettersGenerate settlement offer letters
šŸ’° Finance
(5)
free with in-app purchases
10
AES Student Loans
AES Student Loans
AES Student Loans
by Avereo
Free

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.

Access account detailsVisualize loan balanceMake and schedule payments
šŸ’° Finance
(16K)
free
11
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Payoff Planner & Tracker
Debt Free Snowball Calculator
Free

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.

Customized debt repayment scheduleDebt Snowball payoff strategyDebt Avalanche payoff strategy
šŸ’° Finance
(7.2K)
free with in-app purchases
12
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
šŸ’° Finance
(1.3K)
free with in-app purchases
13
Resync Resolution
Resync Resolution
Resync Resolution
Rewrite Your Future
Free

Easily manage all your debts in one centralized location. This app helps you stay organized and on track with your financial goals by monitoring accounts and providing access to important documents.

Debt managementFinancial goal trackingAccount monitoring
šŸ’° Finance
(1)
free
14
Debt Dash
Debt Dash
Debt Dash
Track your debt
Free
šŸ’° Finance
(0)
15
Reducify
Reducify
Reducify
Student Loan Game Plan
Free
šŸ’° Finance
(0)
16
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
šŸ’° Finance
(2.4K)
free with in-app purchases
17
Student Loan - Scholarships
Student Loan - Scholarships
Student Loan - Scholarships
Student Debt Calculator Grants
Free
šŸ’° Finance
(0)
18
ClearDebt: Snowball Planner
ClearDebt: Snowball Planner
ClearDebt: Snowball Planner
Avalanche Debt Payoff Tracker
Free

This app helps you track, manage, and eliminate various types of debt. It offers payment reminders, a payoff simulator, and progress visualizations to motivate you towards financial freedom. Premium features include budgeting and advanced analytics.

Track unlimited debtsSmart payment remindersPayoff simulator
šŸ’° Finance
(2)
free with in-app purchases
19
PowerPay Debt Elimination
PowerPay Debt Elimination
PowerPay Debt Elimination
by New Mexico State University Board of Regents
Free

Create a personalized plan to eliminate your debts. See how fast you can become debt-free and estimate your interest savings by following your custom reduction strategy.

Personalized debt elimination planDebt-free timeline estimationInterest cost savings calculation
šŸ” Reference
(18)
free
20
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
šŸ’° Finance
(20K)
free

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 5.4K 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.