Automate student loan payments with university-scheduled reminders and autopay setup.
Students can't effectively manage their loans due to tools lacking integration with university payment systems and featuring unreliable interest calculators.
PayForge connects to university systems for auto-scheduling payments and sends pre-emptive reminders via calendar integration. Its reliable calculator previews post-payment balances accurately. Bundle multiple loans into one managed schedule with forgiveness tracker.
University students managing student loans
Calendar and autopay orchestration directly tied to uni schedules—prevents late fees proactively.
friendly
Sync uni due dates to Google/Apple Calendar.
Simulate payment impacts instantly.
Monitor PSLF/IBR progress.
Combine loans into single schedules.
Guide to link banks securely via Plaid.
Predict and avoid late fees.
Twilio SMS/voice for payments.
For student orgs or families.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| calendar_token | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| uni_due_date | timestamp | No |
| amount | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| schedule_id | uuid | No |
| balance | int | No |
| forgiveness_payments | int | Yes |
Relationships:
/api/connect-calendarOAuth for calendar sync
/api/schedulesList user schedules
/api/preview-paymentCalc post-payment balance
/api/setup-autopayPlaid bank link
/api/forgivenessTrack progress
1 loan
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 250 | 1.8% | $180 | $2,160 |
| Month 6 | 2,000 | 4.5% | $3,600 | $43,200 |
Auto-schedule with your uni calendar and preview every payment's impact.
Partner with student union Discords for pilots; offer discounts to r/Frugal students; cold email campus financial aid offices.
Budgeting
No uni-specific scheduling
Targeted autopay beats general budgeting
Switching costs from embedded calendar/bank links.
Post-pandemic autopay mandates and rising fees make prevention tools essential.
Calendar API limits
Rate limiting + fallbacks
Plaid costs
Pass to premium
Success: 50% pain confirmed
Success: 10% referral conv
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