Finology Software is the student-loan and debt planning platform built specifically for financial advisors. Founded in 2022 and headquartered in Boise, Idaho, it gives advisors the calculation engine and workflow to turn one of their clients' most stressful liabilities - student debt - into a planned, optimized part of the financial plan. The platform imports a client's full federal loan picture directly from NSLDS, eliminating manual entry, then models every repayment option side by side. That includes the new Repayment Assistance Plan (RAP), which became the default income-driven plan on July 1, 2026 under the One Big Beautiful Bill Act, alongside IBR and Public Service Loan Forgiveness (PSLF) tracking. Advisors can analyze whole households - multiple borrowers, filing status, and AGI - compare monthly and lifetime costs, and generate branded, audit-ready client reports that win and retain engagements. Finology is built for fiduciary use, with the controls advisors need to handle sensitive client data responsibly, and it is maintained to stay current as federal student-loan rules continue to change - so advisors never have to re-engineer their own spreadsheets each time the rules move. Used by RIAs, fee-only planners, and designation-holding student-loan specialists across the United States, Finology Software helps advisors deepen client relationships, open planning conversations with the next generation of clients, and make student-loan strategy a core, repeatable part of their practice.