Payments are sent after you accumulate $100 of change roundups in your ChangEd account. We do this because it gives us time to verify your loan info and streamlines payments. It'd be a mess if we sent them payments one nickel at a time, funny, but messy! This will also let you monitor how much you're saving and see how much each payment affects your loans. Think you'll never get to $100 in spare change saved?? Average users save $30-$50 each month! That's going to make an impact on those loans.