RoundsRounds Debt Payoff
Pay off med school debt faster.
The average physician graduates with $200K+ in student loans. Rounds gives you the tools to pay them off faster, smarter, and without accidentally disqualifying yourself from forgiveness.
Features
Every tool you need to crush your loans.
We built the debt payoff system we wished existed during residency. Smart, automated, and aware of the nuances that matter for physicians.
Smart debt routing
Automatically apply extra payments to your highest-interest loans first. Set rules for how moonlighting income, bonuses, and side gig earnings get distributed across your loan portfolio.
PSLF protection
Track qualifying payments, verify employer eligibility, and get alerts before you accidentally disqualify yourself from Public Service Loan Forgiveness.
Round-up payments
"Roundups" feature tracks everyday purchases and helps you funnel the excess change toward your student loans. Think Acorns for debt. Small amounts compound into real progress.
Payoff projections
See exactly when you'll be debt-free under different scenarios. Model the impact of extra payments, refinancing, or income changes.
IDR plan optimizer
Compare SAVE, PAYE, IBR, and other income-driven repayment plans side by side. Factor in projected attending income, filing status, and forgiveness timelines to find the plan that costs you the least over your career.
How it works
"Roundups" - Set it up once. Let it work for you.
Connect your loans
Link your federal and private loan accounts. We'll pull in balances, interest rates, and repayment plan details automatically.
Set your strategy
Choose avalanche (highest interest first), snowball (smallest balance first), or let us optimize based on your full financial picture including PSLF eligibility.
Watch your debt shrink
Track progress in real time. See your payoff date move closer with every extra payment. Get milestone celebrations along the way.
"I was paying minimums on everything and had no strategy. Now I have a plan and I can see my debt-free date for the first time."
"The PSLF tracker alone saved me from refinancing loans that were 2 years from forgiveness. That would have been a $180K mistake."
Start paying off med school debt faster.
Link your loans, see your payoff timeline, and track PSLF progress in minutes.
Free PSLF tools. No credit card required.
FAQ
Questions about Debt Payoff.
Is Rounds Debt Payoff free?
The PSLF tools will be free. For the Roundups automation feature, we plan to have a subscription so that we can cover tech and API costs, likely around $9/mo or $75/yr. Also looking at an ad-supported model. We'll announce pricing closer to launch. The goal is to make the tool pay for itself many times over through interest savings.
Does this replace my loan servicer?
No. Rounds Debt Payoff works alongside your existing loan servicer. We help you optimize your strategy and automate extra payments — your servicer still handles the actual loan management.
Can it handle both federal and private loans?
Yes. You can connect both federal and private loan accounts. Our routing engine considers interest rates, forgiveness eligibility, and your overall strategy when distributing extra payments.
What if I'm not sure about my repayment strategy?
That's exactly what we're here for. The PSLF tools and IDR optimizer will model different scenarios and show you the total cost of each path. Those specific features we plan to keep free.