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✔ No extra spending
✔ No credit score impact
✔ Bank-level security
✔ Cancel anytime

“Finally, an app that helps me make progress without changing how I shop.”

HOW IT WORKS (3 STEPS)

1. Shop like you already do

Buy from participating stores offering discounts or savings.

2. Savings get captured

That $5 you “saved” doesn’t vanish — ChipAway captures it.

3. We apply it to what matters

Your savings are automatically applied to:

• Your student loan
• Your credit card balance
• Or another approved debt

You pay the same.
Your balance goes down.

“$5 saved → $5 off your loan principal
Today you shaved 2 days off your payoff.”

WHY CHIPAWAY IS DIFFERENT

🚫 Not cashback

Cashback encourages spending.

🚫 Not points

Points delay progress.

✅ ChipAway = progress

Every purchase quietly moves you forward.

No behavior change required.

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WHO IT’S FOR

🎓 Borrowers

• Student loans
• Credit cards
• Medical debt

👨‍👩‍👧 Parents & Family

Help chip away at someone you care about — without awkward transfers.

🏪 Merchants

• Increase loyalty
• Drive repeat visits
• Convert discounts into impact

(Merchant dashboard launching soon)

• See your payoff timeline shrink
• Track interest avoided
• Celebrate milestones
• Friendly nudges from The Chipper 🐿️

“You chipped away $38 this month without noticing.”

SECURITY & COMPLIANCE

• Read-only account linking
• Payments sent directly to servicers
• No selling your data
• Built with fintech-grade infrastructure

Your money.
Your loans.
Your control.

FAQ (SHORT)

Do I pay more?
No. You pay exactly what you already pay.

Is this a loan or credit product?
No. ChipAway simply redirects savings.

Can family help me chip away?
Yes. Optional, borrower-controlled.

Is it free?
Free for early users. Optional premium features later.