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$1.64 trillion

US Student Loan Debt January 2020

$45 million

Number of borrowers as of 2020
Average Customer Rating

Student Loan Debt Study

We’re looking for 500 people with student loan debt for a research study.

Qualified participants may be eligible for $100 compensation for participation.

Must be a W-2 Employee, have an active checking account at a bank, not a credit union with direct deposit, and a total net “household” income of $3,300/mo.

Establish a CFP, and use it to take over your student loans:
Keep Your Money!

Zero Out of Pocket Costs

Our Proprietary MyXtraMoney™ Automated Wealth Distribution system gives you a New Way To Bank at your bank and save  that will cover normal monthly bills at 75 – 88% of the total costs; creating a profit while banking.

Payments Start Now

You can place your Profits are deposited into your Acorns® Account which takes over payments, and can pay off most debt quickly – usually within 2 – 3 years.

Stress Free

Reduce stress by placing your loan payments from your Acorns® Account on Auto pilot.

Easy To Use

Simply enter your household bills and net income into our MyXtraMoney™ Calculator.  Our Financial Counselors will help you setup your Automated Wealth Distribution System.

Getting started is easy

Apply online in just minutes no more document or calling required


Financial Analysis

Enter your household budget into the MyXtraMoney™ Strategy For Saving Calculator to see the benefits of Automated Wealth Distribution.


Pool Your Profits

Each Month, You place your CFP into your Acorns® Account so it grows in the stock market.


We Make The Payments

Use the money in your Acorns® Account to begin making payments to your Student Loan while it grows for you at the same time.

Trusted By The People, Because it's For The People

What people are saying about us product and service.

Excellent service. Very easy to setup and get started

Best company I have worked with in a long time they really know how to get the job done

Chester H. Davis

Simple and very smooth. They really take the stress out of paying off debt.

We were on the verge of filing Chapter 13. We no longer have to, and we are so thankful we found them.

Linda M. Evans

Debt Elimination, and Wealth Building At The Same Time. Its easy

Debt Elimination Disclaimer: *Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, provide tax, bankruptcy, accounting or legal advice or credit repair services. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of our debt elimination services will not likely adversely affect your creditworthiness, but in some cases based on the timing of hiring our services, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, any negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.
Disclaimer: Loan approval is not guaranteed and is subject to credit application and approval of the lender. The pāyZero®’s LookSee™ process allows you to pre-qualify for offers and discuss your financing options with no impact to your credit score. Individual loan terms may vary.  pāZero® Auto Finance, Inc. DBA pāyZero® Financial is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act (ECOA), pāyZero® Financial is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has—in good faith—exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). We recommend you make and retain a copy of our Privacy Policy. If you prefer to print another copy, visit our Website at www.pazero.net or you may request a copy by calling (833) 321-ZERO (9376)Use of this website constitutes acceptance of payZero.net’s Terms of Use, Disclaimer, Privacy Policy, and Cookie Policy. The MyXtraMoney® eBill-Pay Money Merge System is a Debt Elimination tool and is underwritten by pāZero® Auto Finance, Inc. DBA pāyZero® Financial © 1994-2020. All Rights Reserved.