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.

Important

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. BOH guidance

Step-by-step: add your payment

Open Balance On Hand

Go to balanceonhand.app. No signup required — it runs right in your browser.

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. If you're entering a rehabilitation plan (10 months) or a standard repayment term (10-25 years), the projection shows how your balance rides through the entire payment schedule relative to your income and other bills.

Ready to Start

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 Hand

Optional 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.

If you choose...

If you choose to plan your payment in BOH:

You'll see exactly which weeks are tight before they arrive
You can request a different due date from your servicer if the timing doesn't work
You'll know 36 months in advance if any period causes a shortfall
No bank login, no SSN, no credit check required

If you choose not to plan:

Your payment may land on a week when your checking balance is low
You may overdraft or miss the payment without realizing it was coming
You won't see the cumulative impact of the payment over 3 years
You lose the ability to proactively adjust timing with your servicer

Here's what you can do today

Verify your monthly payment amount and due date on StudentAid.gov or your servicer's website.
Open Balance On Hand and add your paychecks (if not already added).
Add your student loan as a recurring monthly bill with the verified amount and date.
Check the Projected tab for any orange or red periods in the next 3 months.
If timing is bad, call your servicer to request a due date change.

Before making a financial decision, understand your cash flow.

Launch Free Cash Flow Map

Free. No bank login. No checking account. No SSN. No credit card.