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Minimal effort
One-time setup, automated verification, and annual renewal.
For Employees
How it works
If you’re making student loan payments, you could be missing out on thousands of dollars in employer 401(k) contributions. Loan Certify makes it easy to verify your payments and claim your match—all with minimal effort.
What are the steps?
- Create an Account – Sign up on Loan Certify’s platform.
- Complete Onboarding – Provide minimal details and upload a recent student loan statement.
- Automated Verification – Our AI-powered fraud detection system verifies your loan and eligibility.
- Sign the Loan Certify Agreement – A simple step to finalize participation.
- Make Your Payment – An annual subscription ensures continued eligibility without interruptions.
- Sign Your Loan Certification – This confirms your eligible student loan payments and the corresponding 401(k) match amount.
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No paperwork
We handle compliance so you don’t have to.
Secure & trusted
Bank-level encryption and fraud detection keep your information safe.
Maximize your match
Ensure every qualified student loan payment counts toward your retirement.
Start Receiving Your 401(k) Match
Once certified, your employer submits your Loan Certification to their 401(k) administrator, allowing you to start receiving matching contributions—seamlessly.
Some employers cover the cost of Loan Certify! Ask your HR team if they provide a sponsored subscription.
Are you or your company missing out on 401(k) matching?
Start turning student loan payments into retirement savings. Employees enroll now—employers, let’s get your team set up!