student-debt
(5)
Candidly
Candidly is an AI-native financial wellness platform that helps employers, financial institutions, recordkeepers and banks deliver personalized guidance on student debt, savings and retirement. Formerly FutureFuel.io, the company optimizes income-driven repayment, powers student-loan-to-401(k) retirement matches under SECURE 2.0, and now runs a multi-agent AI system - the Candidly Intelligence Center, fronted by its conversational assistant Cait - that spans debt payoff, budgeting, college planning and tax-advantaged accounts. Founded in 2016 by Laurel Taylor, Candidly reports it can reach roughly 1 in 2 U.S. workers through its distribution partners.
Optimal
Optimal is a Kirkland, Washington education-data company that uses independent research to help people make better decisions about college and careers. Founded in 2004 by former Microsoft manager Sung Rhee as SR Education Group, it rebranded to Optimal in 2020. Through its consumer sites - OnlineU, GradReports and SwitchUp - it publishes college rankings built on alumni salaries, manually researched tuition, and tens of thousands of verified student reviews, aiming to make the real return on an education visible before students take on debt.
Scholarships360
Scholarships360 is a free, data-driven platform that helps students and families find and fund college. Founded by first-generation college students Will and Brian Geiger, it matches students with vetted scholarships, hosts its own $10,000 'No Essay' scholarship, and pairs listings with expert financial aid and admissions advice. The company says over 15 million students have discovered scholarships and colleges through the platform, with more than 5 million matched in 2025 alone.
Bold.org
Bold.org is a venture-backed platform on a mission to fight student debt by making it effortless for anyone - individuals, families, companies, and foundations - to create, fund, and manage scholarships, fellowships, and grants. Free for both students and donors, it pairs a two-sided marketplace with the nonprofit Bold Foundation, which holds donations in escrow and sends funds directly to students' schools. Since 2020 it has channeled tens of millions of dollars in tax-deductible financial aid to thousands of students.
Clasp
Clasp is a Boston-based workforce and fintech company that ties student-loan repayment to employment, helping healthcare systems recruit and retain clinicians. Using a model it likens to military ROTC, employers commit to students before graduation and repay their loans over time in exchange for a multi-year work commitment. Founded in 2018 as Stride Funding and rebranded as Clasp in 2024, the company links education and employment to attack two problems at once: crushing student debt and chronic clinical staffing shortages.