Candidly: Streamlining Student Loan Management for Employers and Employees
Candidly offers software that enables employers to manage student loan repayments by integrating them into 401(k) plans under SECURE 2.0, transforming student debt into a retirement benefit without burdening HR teams.
Student debt is still a benefits problem.
Candidly sells the software that lets employers and financial institutions help employees manage student loans, and now match those loan payments into a 401(k) under SECURE 2.0.
In plain terms, they verify qualified student loan payments and push clean reporting into the retirement plan workflow, so employers can confidently fund a student loan retirement match without turning HR into an audit team.
That matters because SECURE 2.0 cracked open a new category. If an employee is paying loans and skipping the 401(k), the employer can still deliver the match. Candidly is the middleware that makes it operational.
The traction signals are real. Candidly reported about $1.8B in projected student debt impact in its 2024 report, said its SECURE 2.0 implementations tripled from 2023 to 2024, and partnered with Charles Schwab Retirement Plan Services in 2025 to bring student-loan matching and college planning tools into the SRPS participant experience.
It is also a classic B2B fintech business model: sell to employers, recordkeepers, and financial institutions on subscription plus enterprise services, then grow via distribution partners. Founder and CEO Laurel Taylor has been building this since 2016, and the company raised a $20.5M Series B in March 2023, led by Altos Ventures with Cercano Management.
FinBox Solutions picked Candidly today because this is what “fintech infrastructure” looks like in 2026: not a new card, but a new rule, a new benefit, and a clean integration that turns policy into payroll reality.
👉 Share this post so we can reach more founders, operators, and investors and build this FinTech community together.
If you do not want to miss the next startup, subscribe at fintechoftheday.com.
If you run benefits or workplace fintech, would you rather sell the SECURE 2.0 student-loan match as a standalone add-on, or bundle it inside a broader financial wellness suite?
#fintechoftheday #fintech #workplacebenefits #retirement #HRtech #USA
