Loan Certify

Effortless 401(k) Student Loan Matching for Employees, Employers, PEOs & Financial Advisors Student loan debt is holding employees back from saving for retirement—but it doesn’t have to. With the SECURE 2.0 Act, employers can now offer 401(k) matching on student loan payments, providing a high-impact financial benefit that helps attract and retain talent. The challenge? Verifying student loan payments while staying compliant with IRS regulations. That’s where Loan Certify comes in—at zero cost, zero risk, and zero work for employers! What We Do Loan Certify automates the entire student loan verification process so employers, PEOs, and financial advisors can seamlessly support 401(k) student loan matching—without added costs, administrative burdens, or compliance risks. Employers – Offer a retention-boosting benefit with zero additional cost and seamless integration into existing HR and payroll systems. PEOs & Benefits Providers – Add Loan Certify to your benefits offerings to help clients enhance their 401(k) programs and drive recruitment & retention. Financial Advisors & 401(k) Administrators – Ensure clients maximize retirement contributions while reducing compliance risks. How It Works 1) Employees enroll & submit loan details – They provide basic information and upload a recent student loan statement. 2) Loan Certify handles verification & compliance – Our AI-powered system confirms eligibility and ensures compliance with IRS and SECURE 2.0 Act requirements. 3) Employers receive real-time reports – See exactly which employees qualify and the annual 401(k) matching amounts they’re eligible for. 4) We can submit directly to your 401(k) administrator – Employers can submit Loan Certifications themselves, or Loan Certify can handle it for them. 💡Employers can also choose to cover all or part of employee subscriptions—contact us for discounted bulk pricing.