Payment suspension extended, forgiveness announced

FutureFuel.io is now Candidly!

AI-driven technology that fuels simultaneous progress on paying down student debt and building wealth.

Candidly is an AI-driven student debt and savings optimization platform that addresses the full lifecycle of education expenses.

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How it works

Assess

A personalized path

Candidly continuously evaluates users' financial health, and pairs that with expert guidance and content, to create a personalized plan.

Optimize

Action for today

Candidly guides users to action within minutes to drive immediate savings to their wallet.

Accelerate

Action for tomorrow

Candidly empowers users to take actions today that will lead to a financially sound tomorrow.

Candidly core capabilities

Federal forgiveness finder

College planning

Articles and how-to-guides

Public service loan forgiveness

Auto-payments

Student loan dashboard

Gamified repayment

Friends and family

Multi-lender marketplace

Premium capabilities

Employer contributions

Retirement match (SECURE Act 2.0)

Expert coaching

Fully Configurable

Modular platform can be configured with the most relevant features.

Flexible Delivery

Available as a stand-alone platform or embedded into your native experience.

Fast-To-Market

Multiple integration options can get you to market in just days or weeks.

One platform, many uses

Fiserv

Obstacle

Fiserv delivers technology that powers thousands of community banks and credit unions. These institutions are interested in offering new and differentiated services that meet the financial realities of people’s lives.

Opportunity

Millions of student loan borrowers already have accounts with these banks and credit unions, and millions more could be won over by an institution that can support their student financing and repayment journey.

Outcome

The Fiserv partnership with Candidly enables community banks and credit unions to:

Deepen relationships with current account holders by offering highly relevant services for their financial needs
Break through to new populations – especially as younger generations become the top spenders, savers and investors
Deliver a seamless, white-labeled digital experience that sets the bar for consumer-facing fintech

UBS

Obstacle

UBS has long been a leader in workplace financial services — and staying one step ahead of evolving needs is key to maintaining its competitive edge.

Opportunity

Innovative, personalized student loan services create pathways for more end-users to build financial wellness — and for UBS to increase its relevance among all generations, income levels, business sizes, and industries.

Outcome

UBS Financial Wellness gives access to Candidly’s innovative student loan repayment platform to:

Complement existing financial wellness offerings with a trusted and comprehensive student loan solution
Expand reach for immediate impact while also cultivating sustainable engagement as part of a pathway for financial independence and well-being

Salesforce

Obstacle

Financial wellness benefits are a no-brainer in the modern workplace. But offering inclusive financial wellness benefits is easier said than done.

Opportunity

As the second most common form of consumer debt, student debt spans every age, gender, race, income, lifestage, and profession.

Outcome

Salesforce Inc.’s partnership with Candidly has enabled the software giant to:

Break through to employees across every cohort
Achieve record impact with historically high-turnover populations: women, people of color, and software engineers
Empower employees to reduce their student debt balance by over $2.38 million and 151 years

American Eagle Outfitters

Obstacle

With more than 35,000 US-based employees, finding benefits that resonate with diverse cohorts is a challenge — and with record-high turnover rates straining the retail industry, overcoming it is critical.

Opportunity

Nationwide, 7 in 10 of college-educated adults have student debt — and AEO associates are no exception.

Outcome

AEO’s partnership with Candidly has enabled the retailer to:

Implement a flexible, tiered program design that creates value for all employee cohorts — without overextending budget or compromising ROI
Deliver meaningful support at scale with personalized services
Support every step of associates’ unique journeys, no matter their goals or background

Flexible implementation

Offer our platform where, how, and when you want it, in our brand or yours.

Outlink

Get to market in just days with a co-branded configurable experience.

SSO

Hand off seamlessly from your application to ours.

Widget

Easily drop into your native experience.

API

Maintain full control over the front-end experience.

Seamless experience, meaningful impact

Unlock debt savings

The average user saves $358 a month — cash that can be used to pay rent, save for retirement, or anything in between.

Small actions, huge impact

Approachable, actionable solutions drive immediate savings today and help users create an even bigger impact over time.

Never go it alone

Goals and overall finhealth context inform personalized guidance surfaced on-platform.

Unlock debt savings

The average user saves $358 a month — cash that can be used to pay rent, save for retirement, or anything in between.

Small actions, huge impact

Approachable, actionable solutions drive immediate savings today and help users create an even bigger impact over time.

Never go it alone

Goals and overall finhealth context inform personalized guidance surfaced on-platform.

Don't take our word for it

We partner with hundreds of companies to help their employees and customers move beyond student debt and toward a financially sound tomorrow.

Danielle

Employee

My employer’s student loan contributions help take the pressure off.

Arielle

Employee

I’ve had to put things like saving for a house and focusing on my retirement fund on hold, but now I can see a future without student loan debt.

Brianna

Employee

I felt like I’ve been paying off my loans forever, but now that I’m using Candidly, I can see that the end is near and I’ll be free from student debt soon!

Cory

Member

This is a great way to make those little dents that add up quickly. It makes getting to the end goal a lot easier!

80 million Americans are planning for, saving for, or paying for college. Candidly empowers employers, financial institutions, recordkeepers, and more to reach this population at scale — see for yourself.

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