How to Add Your Student Loan Payment to Balance On Hand
Balance On Hand is a free cash-flow planning tool. Add your student loan payment as a recurring bill to see how it fits into your paycheck cycle and other expenses — and what your next 3 years look like.
Before you start
You'll need two pieces of information from your loan servicer or StudentAid.gov:
- Your monthly payment amount
- Your payment due date
If you don't know these, use our Find Your Servicer guide to look them up first.
Verify your real payment amount and due date through StudentAid.gov or your official loan servicer. Balance On Hand does not access your student loan account.
Step-by-step: add your payment
Go to the Manage tab
Tap the Manage tab. Add your paychecks if you haven't already, then add a new recurring Bill.
Enter your loan details
Name it "Student Loan" (or your servicer name). Enter the exact amount and due date from your servicer. Set it to repeat monthly.
Review the Projected tab
Check the Projected tab to see your day-by-day balance forecast. Look for Orange or Red periods where your balance may dip.
Plan ahead
If your payment lands on a tight week, consider calling your servicer to request a different due date that aligns better with your pay cycle.
What you'll see
Balance On Hand shows your projected checking balance day-by-day. When you add your student loan payment, you'll see exactly when it hits your account relative to your paychecks and other bills. The app helps you spot timing problems before they become overdraft surprises.
The 36-month view
Balance On Hand can project your cash flow up to 36 months out. This means you can see how your student loan payment affects your finances not just this month, but over the next 3 years. Open the app to build your full setup.
It takes less than 5 minutes
Balance On Hand is free to use. Add your student loan payment, your paychecks, and your other bills. See your future balance before the next payment hits.
Open Balance On HandOptional backup and recovery
Your loan repayment timeline takes time to build and perfect. Optional backup and recovery are available if you want to protect your setup. The core planning tool is free.
Balance On Hand is a cash-flow planning tool. It is not a lender, loan servicer, or financial advisor. It does not access your student loan account. The information on this page is for general educational purposes only and does not constitute legal, tax, or financial advice. Verify all details through StudentAid.gov or your official loan servicer.
Add your student loan payment to Balance On Hand and see what your next 3 years look like.
Balance On Hand is free to use. Verify your real payment amount and due date through StudentAid.gov or your official loan servicer, then plan the payment in Balance On Hand.