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An App That Makes Paying Extra on Student Loans Easy

  • Overview

    We are excited to announce that we’re offering a student loan debt repayment service through an app called ChangEd. Plus, Astera CU is covering the cost, so the app is FREE when you link your Astera accounts to ChangEd.

    Join thousands who manage, track, and save on their student loan debt with ChangEd! How does it work? Securely connect all of of your student  loans and bank accounts to one place to shave time off and save interest on your student loan debt.



    Natural Savings

    With features like spare change roundups, savings BOOSTs, and more these every day transactions, help eliminate your student loan debt faster.

    Automated Payments

    After adding your student loans and linking your bank  accounts to ChangEd, the platform begins to analyze spending data and automates savings for members. This money then gets transferred to your ChangEd account automatically.

    When you reach a set balance threshold, the funds get transferred to your student loans, all in an effort to pay extra on those loans and eliminate that debt faster.

    Track Your Progress

    Within the ChangEd app, you can see when payments are made, how much you’re saving in interest, and how much sooner you’ll be debt-free!

    "The app is very easy to use and affordable. It can be a set it and forget it type app, but it's also fun to watch your progress!"

    Alix D.
  • FAQs

    Frequently Asked Questions

    Security is something that we take very seriously at ChangEd. We've worked hard to ensure that our members information is, and continues to be, secure.

    This includes:

    • Banking credentials(which are never stored on our servers and are encrypted via bank-level security standards)
    • Personal information(which is kept in a secure database for payment and account set up purposes only)
    • Anythingelse that you share with us!

    If you have more questions about how your information is being used and stored,  please send us an email! We want you to feel safe/relaxed throughout this entire process.

    Once you link your main spending account, ChangEd analyzes your transactions and makes transfers (based on your round-ups) to your ChangEd account.

    ChangEd makes transfers when your accumulated change reaches at least $5 in roundups. We never withdraw more than $10 in one day in case you go on a spending spree and a ton of roundups occur. Once your ChangEd account reaches the balance threshold you set, the money will be transferred to your student loan debt.

    Yes, you can analyze transactions for roundups from a linked credit card. All you have to do is add a checking account to fund those roundups.


    Let’s say you add your checking account to your ChangEd App, and later link your credit card for us to analyze your spending and round up transactions.

    In this case, we would round up transactions made on your credit card and make ChangEd transfers from your checking account based on the roundups you make with your credit card. We don't want to be adding to your debt, right?

    This is probably the toughest part of the whole process but we make it super easy. With most common student loan servicers you can use your online login credentials that you created with your servicer to securely link your loan information.

    The second option would be to manually enter your loan info if your servicer is not covered with direct linking. This can be challenging sometimes so to compensate for that, we've built out a resources page to help you find all of the required information.

    Our resource page will provide you a clear step by step guide to retrieving your (purposely hidden) information from a list of the most common servicers. We’ve got your back!

    ChangEd supports all Federal and Private Student Loans. If you need help filling out your student loan information please email us at

    ChangEd is free to download on the App Store and the usual $1 per month fee is waived for Astera members!

    You can save thousands of dollars, shave years off of your loan, and reduce the need to budget for extra payments for only a buck a month! Seems like a fair deal, don’t you think?

It's time for a change

Join the thousands that have saved millions today!

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