A savvy new benefit that helps you pay for college.

Whether you are paying down student debt or saving for college, SavvyFi offers an easier way to reach your goal faster.

SavvyFi is for anyone.

Open an account to benefit yourself or a loved one.


Grow your savings faster with SavvyFi's tax-advantaged 529 college fund.


Link your student loans and 
start paying them faster than ever!

Everyone Else

Open an account to help your spouse, kids, grandkids, nieces, nephews...even friends!

Features That Help
You Save More

Friends and Family Gifting

Share your gifting link with friends and family to receive funds and supportive messages on special occasions.

Cashback Rewards

Receive cash back automatically when you shop online or in-store at participating merchants

Easy as 1, 2, 3...


Sign up with your work email address and create your account in minutes.

Select account type

Choose to tackle student debt first, open a 529 savings account, or both!

Fresh ways to save

Supercharge your account with cashback rewards and gifts from friends and family.

Our Pledge To You

We’re committed to making sure you’re completely satisfied

Easy Access

Connected to more than 90% of all student loan servicers.

Vetted By Your Employer

Like your retirement & healthcare plans, SavvyFi has been researched and is trusted by your employer.

Not Just For College

Use your 529 to save for college, trade school, and more. Funds can pay for room and board, books, and most other required expenses.

Top-Ranked Plan

SavvyFi’s 529 provider has earned Morningstar’s top honor for over ten years straight.

Simple To Use

Sign-up in minutes with any device. It’s paperless and hassle-free.

We’re Here For You

Need help opening your account? Change your mind and need to close it? We’re only an email away.

Frequently Asked Questions

What is SavvyFi?

SavvyFi is a digital web application that allows you to save for a loved one’s education and/or pay down your current student loans more quickly with cashback rewards on everyday shopping, gifts from friends and family, and for select workplaces, employer contributions.

How do I get started?

Your employer will provide you with a link to enroll. Use your work email address or other method approved by your employer to set up an account.

How do I link my student loans?

It’s easy to connect your student loans with our secure widget. Simply look up your loan servicer and log in - all from the SavvyFi dashboard.

How does SavvyFi’s gifting work?

How does SavvyFi’s gifting work?

In your profile, you are given a personalized link to share with others. This allows you to easily receive gifts and messages from friends and family, which are directly applied to your linked loans or deposited in your 529 savings account. Gifts can be funded with bank accounts, credit cards, and PayPal.

How does SavvyFi’s cashback rewards work?

With SavvyFi’s cashback rewards program, you can earn up to 30% cash back on your online, in-store, and travel purchases. You can easily link your existing cards without affecting their rewards, and you can invite friends and family to join. Cashback from purchases is automatically applied to your linked loans or 529 accounts. The program covers over 10,000 merchants, including popular brands and local businesses.

What is a 529 account?

A 529 account is an investment account that allows your savings to grow tax-free if the funds are used for qualified expenses at eligible higher education institutions. This includes expenses such as tuition, room and board, and books. Tax-free growth means you get a boost on your investment earnings that wouldn’t be available otherwise.

Aren’t 529 accounts just for college?

No. 529 accounts allow employees to save for K-12 education, trade schools, apprenticeships, and two- and four-year colleges without paying taxes on investment growth.

What if my child does not attend college?

Your 529 account beneficiary is the person you are saving for. It can be a child, grandchild, friend, yourself, or anybody else.

What is a beneficiary? 

Your 529 account beneficiary is the person you are saving for.  It can be a child, grandchild, friend, yourself, or anybody else. 

What happens if I leave my current employer?

If you leave your company, your 529 accounts will continue to exist and belong to you.  You have the option to continue using the SavvyFi gifting, cashback, and planning features by assuming the monthly cost. Alternatively, you may discontinue using SavvyFi and access your 529 accounts directly.