Clerkie

Clerkie wants to be your trusted assistant for personal finances. The app is simple to use and takes a holistic approach to personal finance. It provides tools for budgeting, gives recommendations based on your spending habits, pays bills, surfaces recurring charges, and alerts you when you get hit with a fee or go over budget. ...

Clerkie. News • Apr 20, 2023. FinTech Futures — Financial automation start-up Clerkie bags $33m Series A. News • Apr 19, 2023. FinTech Global — Financial automation platform Clerkie secures $33m Series A. News • Apr 18, 2023. Venture Capital Firms — Clerkie raises $33M Series A funding from top investors to address the broken debt system.

Clerkie is an AI Financial Planner for the 123M underserved Americans looking for answers. After spending years helping struggling middle-class families, it became clear that users needed more help with their debt and their finances. They needed answers. Clerkie uses conversational AI to build in-depth financial knowledge graphs that provide ...

Apr 22, 2020 · Clerkie made it super easy to pay off everything and saved me thousands in the process. One of the debts was being difficult and took 2-3 months to get updated by Clerkie had great service and kept me updated throughout the whole thing. Thank you! Date of experience: 17 December 2021 With a consumer debt market that's failing tens of millions of American families, Guy Assad, the co-founder & CEO of Clerkie, has a clear mission: to use fin... News • Apr 20, 2023. FinTech Futures — Financial automation start-up Clerkie bags $33m Series A. News • Apr 19, 2023. FinTech Global — Financial automation platform Clerkie secures $33m Series A. News • Apr 18, 2023. Venture Capital Firms — Clerkie raises $33M Series A funding from top investors to address the broken debt system.We're much more than fill-in-the-blank forms. With Clerky, you can easily loop in your attorney to have them review and comment on the information you're entering. Add your co-founders to your team so you can all stay on the same …Clerkie, a San Francisco, CA-based AI-powered financial assistant, raised $2M in seed funding. Backers included Flourish, a venture of The Omidyar Group focused on backing impact fintech globally, and angel investors. The company intends to use the funds scale its financial skills, make the app available to Android users, and expand third …Debt Payoff Planner & Tracker. OxbowSoft LLC. See also: Top 10 Apps like Debt Payoff Planner & Tra. Free. ★★★★★. ★★★★★. 3397 votes - Finance - First release: 2015-11-04T04:24:47Z. The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans.Open main menu. 🚀 Find a Tool 🔥 Trending 🧰 Tools 🅰 Glossary 📖 Blog 💼 Jobs 🤖 Daily Newsletter. UncategorizedClerkie has helped me focus on my debt and allows me to save money for activities with my kids with their automatic savings! I was a winner of their Live a Little $1k challenge and they helped me to focus my winnings on collections I have! Allowing me to pay off one and helping me get another step closer to being debt free!!

Clerkie-cli is a terminal tool that uses an LLM to help debug and troubleshoot coding errors in any programming language. It offers explanations, suggested fixes, guidance, …Cleerline SSF™ Fiber Optic Technology is a safe bet for your installation – and we’ve had the projects to prove it. In our case study with Advantage Electric, Cleerline SSF™ fiber provided the solution to upgrade the Westgate Las Vegas Hotel. This major project – involving 3,000 guest rooms and 225,000 square feet of conference space ...Clerkie of Californina operates as a software company. The Company provides AI-powered financial assistant which helps in paying a phone bill, updating account information, moving a payment ...Published on April 18, 2023. Clerkie, a San Francisco, CA-based AI-powered financial automation platform, raised $33M in Series A funding. The round was led by Left Lane Capital with participation ...Here's more information the developer has provided about the kinds of data this app may collect and share, and security practices the app may follow. Data practices may vary based on your app version, use, region, and age. Learn more

Clerkie’s app is free to download. Clerkie’s business model is based on high-quality referrals that find the best solutions to address users’ specific needs—an approach that has been proven to boost consumer trust and is gaining traction amongmanyfintech companies. Clerkie's app is currently available to iOS users and can be downloaded ... Debt Payoff Planner & Tracker. OxbowSoft LLC. See also: Top 10 Apps like Debt Payoff Planner & Tra. Free. ★★★★★. ★★★★★. 3397 votes - Finance - First release: 2015-11-04T04:24:47Z. The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans. Clerkie Jul 2023 - Present 10 months. Texas, United States Senior Advisor & Product Champion Geels Norton Feb 2023 - May 2023 4 months. Texas, United States ... Clerkie is an AI-powered financial automation platform that is purpose-built to help over 100 million Americans ease their debt burden. Clerkie is an early-stage startup that provides personalized financial advice and assistance to those who need help effectively managing their finances, but can't afford a traditional financial advisor. Clerkie accomplishes this in the form of an AI financial advisor chatbot, whose many "skills" include answering financial questions, applying for loans, disputing …

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Clerkie, a San Francisco, CA-based AI-powered financial assistant, raised $2M in seed funding. Backers included Flourish, a venture of The Omidyar Group focused on backing impact fintech globally, and angel investors. The company intends to use the funds scale its financial skills, make the app available to Android users, and expand third …Clerkie is an AI Financial Planner for the 123M underserved Americans looking for answers. After spending years helping struggling middle-class families, it became clear that users needed more help with their debt and their finances. They needed answers. Clerkie uses conversational AI to build in-depth financial knowledge graphs that provide ...At Clerkie, our solutions are built on cloud-native, elastic architecture for ease of implementation and integration. Our partners are adding light-weight, modular tools that are super-charging ...Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users. Our goal is to create a lasting ... Get in touch and give your borrowers a simpler way to manage their payments. Meet Clerkie, your reliable debt and money assistant. Clerkie helps you get out of debt and builds your credit by negotiating up to 70% off your debt. Get answers to your money questions, save money, and manage your budget so you can stretch every dollar. Business Checks, Deposit Slips, and More. Order business & computer checks. Look up the status of your order. Order deposit tickets, stamps and other supplies. Contact customer service via chat, phone or email.

USA. Published on April 18, 2023. Clerkie, a San Francisco, CA-based AI-powered financial automation platform, raised $33M in Series A funding. The round was led by Left Lane …• Clerkie is secured using SSL 256-bit encryption—the same security protocol that banks use - to ensure that your sensitive personal information is fully encrypted and securely stored Today is the day to stop feeling overwhelmed, get the simplest step-by-step plan to start paying down debt. Your debt payoff planner and calculator erases ...I'm looking forward to participating in this Clerkie-sponsored AccountsRecovery.net webinar on Wednesday, Aug 2, 2023 @ 1pm ET: "Too Many Sticks, Not… Shared by George SmithDesigner | Learn more about Doyoung Lee's work experience, education, connections & more by visiting their profile on LinkedInClerkie Jul 2023 - Present 10 months. Texas, United States Senior Advisor & Product Champion Geels Norton Feb 2023 - May 2023 4 months. Texas, United States ...Clerkie is an AI-powered financial automation platform that is purpose-built to help over 100 million Americans ease their debt burden. Embedded Finance . www.clerkie.io . FOUNDER(S) Guy Assad, Co-Founder & CEO ...I am a tech-savvy, customer-centric leader with a proven track record in problem-solving and decision-making. My agility allows me to develop, implement, and execute action plans effectively ...Clerkie, a San Francisco, CA-based AI-powered financial assistant, raised $2M in seed funding. Backers included Flourish, a venture of The Omidyar Group focused on backing impact fintech globally, and angel investors. The company intends to use the funds scale its financial skills, make the app available to Android users, and expand third …To get a job at Clerkie, browse currently open positions and apply for a job near you. Once you get a positive response, make sure to find out about the interview process at Clerkie and prepare for tough questions.Open main menu. 🚀 Find a Tool 🔥 Trending 🧰 Tools 🅰 Glossary 📖 Blog 💼 Jobs 🤖 Daily Newsletter. UncategorizedApr 18, 2023 · Clerkie, a startup providing debt repayment and optimization tech to lenders, has raised $33 million in Series A funding from Left Lane Capital, the company tells Axios exclusively. Why it matters: As more people fall behind on bills due to rising interest rates, Clerkie technology helps borrowers get out of debt and helps lenders reduce ...

Feb 7, 2024 · • Clerkie is secured using SSL 256-bit encryption—the same security protocol that banks use - to ensure that your sensitive personal information is fully encrypted and securely stored Today is the day to stop feeling overwhelmed, get the simplest step-by-step plan to start paying down debt.

Clerkie, a San Francisco, CA-based AI-powered financial assistant, raised $2M in seed funding. Backers included Flourish, a venture of The Omidyar Group focused on backing impact fintech globally, and angel investors. The company intends to use the funds scale its financial skills, make the app available to Android users, and expand third …Yes. Clerkie Payoff Debt Bills Fees is a totally legit app. This conclusion was arrived at by running over 4,787 Clerkie Payoff Debt Bills Fees User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Clerkie Payoff Debt Bills Fees Is 74.3/100.. Meet Clerkie, your reliable debt and money assistant. Clerkie helps you get out of debt and builds your credit by negotiating up to 70% off your debt. Get answers to your money questions, save money, and manage your budget so you can stretch every dollar. Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users. Our goal is to create a lasting ... Get in touch and give your borrowers a simpler way to manage their payments. Meet Clerkie, your reliable debt and money assistant. Clerkie helps you get out of debt and builds your credit by negotiating up to 70% off your debt. Get answers to your money questions, save money, and manage your budget so you can stretch every dollar. Hi 👋 we’re Clerkie, a fintech startup based in SF. We’re a team of nearly 30 spread across the country, and we’re on a mission to help Americans get out of debt. The consumer debt crisis is at an all-time high ($17T) and most Americans live paycheck-to-paycheck. When people fall into debt, it’s typically driven by scenarios outside of their control, and for … Clerkie Jul 2023 - Present 10 months. Texas, United States Senior Advisor & Product Champion Geels Norton Feb 2023 - May 2023 4 months. Texas, United States ... Clerkie is an AI Financial Planner for the 123M underserved Americans looking for answers. After spending years helping struggling middle-class families, it became clear that users needed more help with their debt and their finances. They needed answers. Clerkie uses conversational AI to build in-depth financial knowledge graphs that provide ... Get in touch and give your borrowers a simpler way to manage their payments. Meet Clerkie, your reliable debt and money assistant. Clerkie helps you get out of debt and builds your credit by negotiating up to 70% off your debt. Get answers to your money questions, save money, and manage your budget so you can stretch every dollar. Clerkie, a San Francisco, CA-based AI-powered financial automation platform, announced that it raised $33 million in Series A funding, bringing its total raised to $41 million. The round was led by Left Lane Capital with participation from Wellington Management Company, Flourish Ventures, Citi Ventures, CMFG Ventures, and Vestigo …

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Apr 22, 2020 · Clerkie made it super easy to pay off everything and saved me thousands in the process. One of the debts was being difficult and took 2-3 months to get updated by Clerkie had great service and kept me updated throughout the whole thing. Thank you! Date of experience: 17 December 2021 10. PayActiv. The final app on our list of best advance cash apps like Dave is PayActiv. Like DailyPay and Even, it is also aimed at employers who can use the service to offer their employees early access to their wages. However, folks whose employers aren’t enrolled in Payactiv can also use its services.Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users. Our goal is to create a lasting ...Clerkie 's alternatives and competitors. See how Clerkie compares to similar products. Clerkie's top competitors include Chippit, TrueAccord, and Freedom Debt Relief. Chippit. Analyst Briefing Submitted. Chippit delivers a peer-to-peer platform offering financial services. It offers interest-free credits and loans to its users from the communities. On Mon, Sep 13, 2021 at 3:30 PM Clerkie Support Team support wrote: Hi Ryan, You’ve reached the Clerkie Support Team. My name is Josh, I’ll be assisting you with your account deletion today. First, on behalf of the Clerkie Support Team, we’re very sad to see you go and are incredibly disappointed in ourselves for failing to meet your ... Clerkie (also known as Henry Labs) is a company that develops debt repayment automation platforms. It offers payment experience, revenue performance, reporting and compliance, security monitoring, and integration services.Clerkie helps you with smart loans and makes it easy to budget, manage money, and pay off credit cards and student loans faster. Clerkie members have an average lifetime savings of $5,300. It’s the SAFE, FAST, and FREE money app Make the most of this debt payoff planner to boost your credit scores and get out of debt free.Get Started in 2 Minutes (And Borrow up to $250) >>> Check Out Cleo’s Sass 👈 #6 – Brigit: Use ‘Instant Cash’ to borrow up to $250 in fee-free overdrafts. Brigit offers instant cash advances between $50 and $250 per pay period. 10 With more than 4 million downloads, you’ll often find Brigit ranking on the App Store and Google Play as one of the most …Clerkie saved me over $1200 on my debts and made it easy for me to pay them off without the stress. I have been trying to pay off my old debts for a while but just hadn't gotten around to figuring everything out. So glad I found Clerkie - they definitely make the process easy! Date of experience: November 20, 2021.Clerkie, San Francisco, California. 8,357 likes · 449 talking about this. The easiest way to find the money you need, get out of debt and get your finances together... Clerky is an online legal service built just for high-growth startups by top-tier startup attorneys. Incorporate your startup, issue safes and convertible notes, get hiring paperwork done, issue equity compensation, and more. Clerkie is a free app that helps you borrow money, budget, and pay off your credit cards and student loans faster. You can also find personalized loans, credit card … ….

Clerkie wants to be your trusted assistant for personal finances. The app is simple to use and takes a holistic approach to personal finance. It provides tools for budgeting, gives recommendations based on your spending habits, pays bills, surfaces recurring charges, and alerts you when you get hit with a fee or go over budget. ...Mar 27, 2024 · In 2016, Guy Assad, the 39-year co-founder and CEO of Clerkie, a San Francisco-based AI-powered financial planning platform, was working at McKinsey & Company when his father was diagnosed with ... Top 10 Apps like Tally: Pay Off Debt Faster. Free. ★★★★★. ★★★★★. 19610 votes - Finance - iOS 14.0&up - First release: 2017-02-16T18:11:35Z. Tally is the first automated debt manager. Tally makes it easier to save money, manage credit cards and pay down balances faster.Clerkie General Information Description. Developer of debt automation platform designed to help Americans ease their debt burden. The company's proprietary financial automation platform uses conversational AI to build in-depth financial knowledge graphs that allow the management of loan losses and combine expert financial advice …Apr 22, 2020 · Clerkie made it super easy to pay off everything and saved me thousands in the process. One of the debts was being difficult and took 2-3 months to get updated by Clerkie had great service and kept me updated throughout the whole thing. Thank you! Date of experience: 17 December 2021 Clerkie-App. Product Actions. Automate any workflow Packages. Host and manage packages Security. Find and fix vulnerabilities Codespaces. Instant dev environments Copilot. Write better code with AI Code review. Manage code changes Issues. Plan and track work Discussions. Collaborate outside of code ...Most recently, they worked as a marketing copywriter at Rise and as a volunteer educator for the City of La Vergne. In 2023, they will start as a solutions architect at Clerkie. Mark Priddy completed their Bachelor's degree in Journalism with a focus on New Media Communications from Middle Tennessee State University (MTSU) between 2010 and 2016.Clerkie is an early-stage startup that provides personalized financial advice and assistance to those who need help effectively managing their finances, but can't afford a traditional financial advisor. Clerkie accomplishes this in the form of an AI financial advisor chatbot, whose many "skills" include answering financial questions, applying for loans, disputing … Meet Clerkie, your reliable money assistant. Clerkie helps you borrow money, get out of debt and build your credit by negotiating up to 70% off your debt. Number of Founded Organizations 1. Primary Job Title CTO and Co-Founder. Primary Organization. Clerkie. Location San Francisco Bay Area, California, United States. Regions West Coast, Western US. Gender Male. LinkedIn View on LinkedIn. Sebastian Wigstrom is the CTO, Co-Founder, and Board Member of Clerkie. Clerkie, Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users., Clerkie is an equal opportunity employer and values diversity in the workplace. We encourage individuals from all backgrounds to apply. Note: Applicants must be authorized to work for ANY employer ..., Clerkie : r/doordash_drivers. r/doordash_drivers • 3 yr. ago. by codyrocks1967. View community ranking In the Top 1% of largest communities on Reddit., May 21, 2019 · Clerkie Raises $2M in Seed Funding Clerkie, a San Francisco, CA-based AI-powered financial assistant, raised $2M in seed funding. Backers included Flourish, a venture of The Omidyar Group focused on backing impact fintech globally, and angel investors. , Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users., Clerkie-cli is a terminal tool that uses an LLM to help debug and troubleshoot coding errors in any programming language. It offers explanations, suggested fixes, guidance, alternative approaches, and code examples., Number of Founded Organizations 1. Primary Job Title CTO and Co-Founder. Primary Organization. Clerkie. Location San Francisco Bay Area, California, United States. Regions West Coast, Western US. Gender Male. LinkedIn View on LinkedIn. Sebastian Wigstrom is the CTO, Co-Founder, and Board Member of Clerkie., clerkie: Dan Clerke General Manager 2016-05-?? Burns: Matthew Potthoff General Manager 2016-06-?? Former . Former Organization ID Name Position Join Date Leave Date New Organization m1cks: Joshua Micks Analyst 2019-05-15 2019-10-23 : …, , Clerkie is an AI-powered financial automation platform that helps creditors and borrowers manage their loan losses and improve their financial wellness. The company announced its $33M Series A round …, On Mon, Sep 13, 2021 at 3:30 PM Clerkie Support Team support wrote: Hi Ryan, You’ve reached the Clerkie Support Team. My name is Josh, I’ll be assisting you with your account deletion today. First, on behalf of the Clerkie Support Team, we’re very sad to see you go and are incredibly disappointed in ourselves for failing to meet your ... , On Mon, Sep 13, 2021 at 3:30 PM Clerkie Support Team support wrote: Hi Ryan, You’ve reached the Clerkie Support Team. My name is Josh, I’ll be assisting you with your account deletion today. First, on behalf of the Clerkie Support Team, we’re very sad to see you go and are incredibly disappointed in ourselves for failing to meet your ... , View Guy Assad’s professional profile on LinkedIn. LinkedIn is the world’s largest business network, helping professionals like Guy Assad discover inside connections to recommended job ..., or pay off debt. $14,278. $2,343. $22,389. $1,220. Meet Clerkie, your reliable debt and money assistant. Clerkie helps you get out of debt and builds your credit by negotiating up to 70% off your debt. Get answers to your money questions, save money, and manage your budget so you can stretch every dollar. , Yes. Clerkie Payoff Debt Bills Fees is a totally legit app. This conclusion was arrived at by running over 4,787 Clerkie Payoff Debt Bills Fees User Reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, Justuseapp Legitimacy Score for Clerkie Payoff Debt Bills Fees Is 74.3/100.., Mar 23, 2021 · Clerkie saved me over $1200 on my debts and made it easy for me to pay them off without the stress. I have been trying to pay off my old debts for a while but just hadn't gotten around to figuring everything out. So glad I found Clerkie - they definitely make the process easy! Date of experience: November 20, 2021. , Clerkie’s debt automation platform is needed more now than ever and enables a true win-win outcome for lenders and borrowers alike.” About Clerkie. Clerkie is an AI-powered financial automation platform that is purpose-built to help over 100 million Americans ease their debt burden., News • Apr 20, 2023. FinTech Futures — Financial automation start-up Clerkie bags $33m Series A. News • Apr 19, 2023. FinTech Global — Financial automation platform Clerkie secures $33m Series A. News • Apr 18, 2023. Venture Capital Firms — Clerkie raises $33M Series A funding from top investors to address the broken debt system., I'm looking forward to participating in this Clerkie-sponsored AccountsRecovery.net webinar on Wednesday, Aug 2, 2023 @ 1pm ET: "Too Many Sticks, Not… Shared by George Smith , View Guy Assad’s professional profile on LinkedIn. LinkedIn is the world’s largest business network, helping professionals like Guy Assad discover inside connections to recommended job ..., Apr 18, 2023 · Published on April 18, 2023. Clerkie, a San Francisco, CA-based AI-powered financial automation platform, raised $33M in Series A funding. The round was led by Left Lane Capital with participation ... , See tweets, replies, photos and videos from @clerkie Twitter profile. 20K Followers, 2K Following, 30K Tweets. director @maryvillegg | bod @voicecollegiate | bod @nacestarleague | fmr gm eunited, owner enemy, Clerkie launched in 2018 and has significant financial backing from leading financial and venture institutions like Citi, Left Lane Capital, Wellington Ventures, Flourish Ventures, and Vestigo Ventures. Culture: Every day, we obsess about how we can provide the best possible experience and outcome for our users., Enemy eSports was founded in 2012 by Dan "Clerkie" Clerke, Robert "Chachi" Stemmler, and James "JR3" Ryan. In May Enemy eSports announced that they had rejected a $1.2 million offer from Martin Shkreli. 2014 season. Enemy acquired the roster of Also Known As (AKA) in spring of 2014 to represent them in the NACS., Clerkie pulled in $33M. Striving to help users alleviate their debt burdens, Clerkie operates a financial automation platform that offers individualized guidance and payment options. The company announced a round of Series A funding led by Left Lane Capital that will go toward growing its engineering team and scaling its debt workout …, Clerkie-cli is a terminal tool that uses an LLM to help debug and troubleshoot coding errors in any programming language. It offers explanations, suggested fixes, guidance, alternative approaches, and code examples. It is useful for developers of all skill levels. Python 6 80 5 1 Updated on Jan 9., “We’re going for the throat. - ZK - SwayZ - jcstani - ??? - ??? - ??? Still looking for an IGL/initiator. Let’s put collegiate on the map in Val.”, I'm looking forward to participating in this Clerkie-sponsored AccountsRecovery.net webinar on Wednesday, Aug 2, 2023 @ 1pm ET: "Too Many Sticks, Not… Shared by George Smith , Jul 21, 2016 · Debt Payoff Planner & Tracker. OxbowSoft LLC. See also: Top 10 Apps like Debt Payoff Planner & Tra. Free. ★★★★★. ★★★★★. 3397 votes - Finance - First release: 2015-11-04T04:24:47Z. The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans. , And thanks to the platform's RESTful API, developers can integrate Clerkie into their systems in just a few simple steps. But what really sets Clerkie apart is its smart payment experience, which empowers customers to pay and settle their loans with any currency, and its AI-driven repayment and collection strategies, which can triple revenue …, Clerkie-App. Product Actions. Automate any workflow Packages. Host and manage packages Security. Find and fix vulnerabilities Codespaces. Instant dev environments Copilot. Write better code with AI Code review. Manage code changes Issues. Plan and track work Discussions. Collaborate outside of code ..., Published on April 18, 2023. Clerkie, a San Francisco, CA-based AI-powered financial automation platform, raised $33M in Series A funding. The round was led by Left Lane Capital with participation ..., Jul 21, 2016 · Debt Payoff Planner & Tracker. OxbowSoft LLC. See also: Top 10 Apps like Debt Payoff Planner & Tra. Free. ★★★★★. ★★★★★. 3397 votes - Finance - First release: 2015-11-04T04:24:47Z. The Debt Payoff Planner app is the simplest way to stop feeling overwhelmed and start having a specific, step-by-step plan for paying off your loans.