Student loan payments could be unlocking retirement savings—but only if they’re verified for employer matching. Loan Certify handles the entire process, ensuring compliance and making it effortless to get the match for all parties.
Whether you’re an employee looking to qualify, or an employer, PEO, or financial advisor wanting to offer this as a benefit, we have solutions for you.
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.
Simplify 401(k) student loan matching certification by using Loan Certify at zero cost to you. We ensure full compliance with zero admin work for your team.
Whether you’re a PEO, financial advisor, trade association, or 401(k) administrator, we can customize a solution that fits your needs.
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 to find out how much you're leaving on the table!
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.
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.
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.
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.
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.
Start turning student loan payments into retirement savings. Employees enroll now—employers, let’s get your team set up!
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