ChangEd is free to download on the App Store and charges a simple $1/month fee from your ChangEd balance. We need to do this because it covers our costs to move money and store your funds in a personal FDIC-insured account. This also helps us cover other costs for sending payments and keeps our office disco ball powered. A buck a month to save you thousands of dollars, take years off of your loan, and reduce the need to budget for these extra payments seems like a fair deal, right??