Everything educational lenders and servicers need to manage federal and private student loans — FFELP formulas, government forms, payment scenarios, and consolidation tools — all in one system.
Leading agencies choose CreditSoft because it solves the problems that actually slow them down.
CreditSoft comes loaded with official OMB forms — IBR, ICR, PAYE, consolidation applications, deferment requests, PSLF certifications, and more. It uses the data already in your system to fill them out automatically.
Show borrowers side-by-side comparisons of IBR, ICR, PAYE, Standard, and Graduated repayment plans on one screen. Help them choose the best path in minutes instead of hours.
CreditSoft's loan consolidation screen lets you combine multiple student loans into a single managed account — with a built-in database of popular student lenders and their formulas.
Federal guidelines and regulations change. CreditSoft stays up to date with FFELP requirements so you don't have to worry about falling out of compliance. The system also supports private lender formulas.
Define variable fee structures, split payments across multiple months, charge setup and recurring fees — CreditSoft's fee engine adapts to however your agency needs to bill.
Students can log in to view their loan information, make payments, upload documents, and track their progress — reducing call volume and improving the borrower experience.
From loan intake to repayment completion, CreditSoft handles the full student loan servicing lifecycle.
CreditSoft includes built-in payment formulas for all FFELP programs (IBR, ICR, PAYE, Standard, Graduated) plus the ability to add private lender formulas. Compare different repayment scenarios on a single screen so borrowers can make informed decisions.
Repayment plan comparison
Stop manually filling out federal forms. CreditSoft uses the information already in the system and guides you through additional questions to automatically generate completed forms — repayment plan requests, consolidation applications, deferment requests, PSLF certifications, and more.
Auto-filled government forms
The Student Loan Edition includes everything that makes CreditSoft the platform of choice for financial services agencies — lead management, automated workflows, phone system integration, e-signatures, ACH processing, and a powerful interactive dashboard.
CRM dashboard & workflows
Book a personalized demo and we'll show you exactly how CreditSoft fits your agency's workflow.
Most agencies go live in 30–45 days. We handle the migration.