--- title: Pricing --- [Skip to content](https://loancertify.com/pricing#main-content) ![](https://loancertify.com/hs-fs/hubfs/Loan%20(600%20x%20191%20px)-1.png?width=400&height=175&name=Loan%20(600%20x%20191%20px)-1.png)Homepage - [Pricing](https://loancertify.com/pricing) - [For Employers](https://loancertify.com/for-employers?hsLang=en) - [For Employees](https://loancertify.com/how-it-works?hsLang=en) - About - [SECURE 2.0 Act](https://loancertify.com/secure-2.0-act?hsLang=en) - [401(k) Employer Match](https://loancertify.com/401k-employer-match?hsLang=en) - [Matching Calculator](https://loancertify.com/matching-calculator?hsLang=en) - [Who we are](https://loancertify.com/who-we-are?hsLang=en) - [Giving back](https://loancertify.com/giving-back?hsLang=en) - [Press](https://loancertify.com/press?hsLang=en) - [Blog](https://loancertify.com/blog?hsLang=en) - [Account](https://portal.loancertify.com/) [Get started](https://loancertify.com/start?hsLang=en) - [Pricing](https://loancertify.com/pricing) - [For Employers](https://loancertify.com/for-employers?hsLang=en) - [For Employees](https://loancertify.com/how-it-works?hsLang=en) - About - [SECURE 2.0 Act](https://loancertify.com/secure-2.0-act?hsLang=en) - [401(k) Employer Match](https://loancertify.com/401k-employer-match?hsLang=en) - [Matching Calculator](https://loancertify.com/matching-calculator?hsLang=en) - [Who we are](https://loancertify.com/who-we-are?hsLang=en) - [Giving back](https://loancertify.com/giving-back?hsLang=en) - [Press](https://loancertify.com/press?hsLang=en) - [Blog](https://loancertify.com/blog?hsLang=en) - [Account](https://portal.loancertify.com/) [Get started](https://loancertify.com/start?hsLang=en) # Pricing **Student loan payments could be unlocking retirement savings but only if they’re verified for employer matching.** Loan Certify handles the entire process, automating verification and ensuring compliance so employees get the match they’ve earned without creating extra work for anyone else. **Employers, PEOs, and financial advisors pay nothing.** Only employees cover the subscription cost. You get a fully compliant, turnkey benefit that helps retain top talent and drive retirement readiness with zero added cost or administrative lift. Whether you're an employee looking to qualify or a partner ready to offer this benefit, we’ve got a solution built for you. --- ## Who is Loan Certify for? ## Employee This annual subscription plan ensures your student loan payments are verified, compliant, and continuously updated so you can unlock your employer’s 401(k) match. $120/year ### Agreement includes - Minimal effort verification process - Automatic subscription renewal - Ongoing eligibility updates for salary increases [Get started](https://loancertify.com/employee?hsLang=en) ## Employer or Company Simplify 401(k) student loan matching without spending a dime. We verify employee payments, ensure full compliance, and automate the entire process. It’s zero cost, zero admin work, and zero hassle for your team. $0 /year ### Agreement includes - Delegated compliance & verification - Custom integrations for most HR platforms - Dedicated support for seamless implementation [Get started](https://loancertify.com/employer-or-company-representative?hsLang=en) ## Frequently Asked Questions How much matching am I missing out on? It depends on your employer’s **401(k) match policy** and your **monthly student loan payments**. Some employees miss out on **thousands of dollars** per year in employer contributions by not getting their student loan payments certified. Want to see your potential savings? **Use our [Matching Calculator](https://loancertify.com/matching-calculator?hsLang=en)** to find out how much you're leaving on the table! What happens if an employee’s loan payment or salary changes? If an employee’s loan payment or salary changes, they simply **submit a salary adjustment request**. As long as their **annual subscription is active**, Loan Certify will **update their Loan Certification** to reflect the new amount—ensuring they continue receiving the **maximum employer match possible**. How often do I need to certify my loan? The IRS requires at least **annual certification**, but your employer or Loan Certify **may require more frequent updates** (e.g., quarterly or monthly). Loan Certify makes this seamless by handling verification and notifying you when action is needed. How do I get started? 1. **Sign up for Loan Certify** and complete your **loan verification process** in just a few minutes. 2. **We verify your information** and keep your employer updated on your eligibility. 3. **Once approved, your employer begins matching your student loan payments**—turning debt repayment into retirement savings! Can I cancel my subscription? Yes, you can cancel at any time. However, if your loan has already been verified, there are **no refunds**, as the service has been rendered. And without an active subscription, your employer will no longer be able to verify your student loan payments, which may result in the loss of your **401(k) matching eligibility**. How does Loan Certify ensure my information is secure? Loan Certify's commitment to data privacy and security is embedded in every part of our business. We adhere to frameworks and regulations such as **CCPA**, **GDPR**, **HIPAA**, and **SOC 2** to ensure comprehensive compliance. What if my employer doesn’t offer student loan matching yet? If your employer isn’t offering this benefit yet, **we can help**. You can **refer them to us**, and we’ll reach out to explain how they can implement **401(k) student loan matching at no additional cost** to them. # 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! [Get started](https://loancertify.com/start?hsLang=en) ## Stay in the know [![Loan Certify](https://loancertify.com/hs-fs/hubfs/Loan%20(600%20x%20191%20px)%20(1)-1.png?width=300&height=169&name=Loan%20(600%20x%20191%20px)%20(1)-1.png "Loan Certify")](https://loancertify.com/?hsLang=en) Loan Certify provides a service to help employees and employers meet compliance requirements for student loan matching contributions under the SECURE 2.0 Act. We do not provide legal, financial, or tax advice. Users should consult with their own advisors for personalized guidance. All calculations, projections, and information provided are for illustrative purposes only and are not guaranteed. [Privacy Policy](https://loancertify.com/privacy-policy?hsLang=en) · © 2025. All rights reserved.