Pay Off Debt the Easy Way with MSUFCU + Changed

Pay off debt faster with Changed, free for MSUFCU members no matter where you bank or where your loan lives. Plus, get a $12.50 match toward your first $25 debt payment.

Download the APP

Take a Look Inside the App

Create Your Profile

Create your Changed account to start paying down debt faster and access your MSUFCU member benefits. Your information stays protected with bank-level encryption.

Link Your Loans

Connect your loans and any other debts you want to tackle. Choose what to focus on first, and manually add any accounts that aren’t supported.

Connect Spending Accounts

Link your MSUFCU account to access your member benefit, then connect any other accounts you use for everyday spending. Changed tracks roundups across linked accounts and pulls funds from one selected funding account.

How Roundups Work

After connecting your accounts, choose which ones to use for roundups. Set transaction types, add a multiplier, and choose your pace. Changed transfers savings every time you hit $5, helping you stay on track.

Boost Your Savings

Use Boost anytime to speed up your progress. You can schedule extra payments or send one-offs when it works for you. Even a few dollars can make a big impact over time.

Customize Your Payoff

Split your savings across multiple goals and personalize your strategy. Use the snowball or avalanche method, or create your own. So you make every dollar works harder, exactly where you want it to.

Save and Payoff

With Stash My Cash, you don’t have to pick between saving and paying off debt. Split your roundups to do both at once. Stay flexible and build momentum in both directions.

Credit Score Insights

Track your credit score and get insights on credit usage, on-time payments, new accounts, and more. All in one place.

Watch Debt Shrink

When your Payoff account hits $25, $50, or $100, we send a payment toward your debt. Each extra payments helps you reduce time, cut interest, and bring you closer to zero. #RIPDebt

Celebrate Your Wins!

See how much you’ve paid off and how far you’ve come. Your progress page tracks your savings, past payments, and offers smart tips to stay on track.

Reward Your Debt Payoff

Earn Perk Points and Badges automatically as you use the app. Points unlock giveaway entries, and badges mark your milestones. It’s motivation and rewards while you make real progress.

Debt Payoff, One Story at a Time

Changed helped me pay off my credit card without even thinking about it. I used to feel overwhelmed, but now I just check the app and feel proud.

Jasmine

Full-time Nurse

I like how Changed worked in the background. Half of the time, I forgot that it was saving for me. When I would check my loan balance, it would be significantly lower than before.

Samuel

First-time Home Buyer

The best part? I didn’t have to change my lifestyle. It just does its thing in the background.

Mark

Busy Dad of 3

I saved over $500 toward my student loans in a few months. I didn’t even notice the money leaving my account!

Vanessa

College Grad

I was skeptical at first, but now I’ve paid off a whole credit card with spare change. Wild.

Devon

Side Hustler

It makes the debt payoff process feel less scary. The app shows your progress and keeps you motivated.

Priya

First-Gen College Student

I’ve tried other apps, but this one actually helped me build a habit. I open it more than I open my banking app

Carlos

Financial Newbie

It’s the first time I’ve felt like I’m making real progress toward being debt free.

Taylor

Single Parent

I’ve paid off two loans faster than planned. All I had to do was connect my accounts and forget about it.

Aliyah

Dog Mom & Barista

This app is the only reason I’m on track to pay off my car early. Every little bit adds up.

Chris

Uber Driver

I love how Changed rewards you for paying off debt. It feels like a game, but one that actually improves my life.

Liam

Software Developer

I’m not great with money, but Changed makes it easy. I just live my life and it helps me stay on track.

Tyler

Artist

Do What Works For You

Changed makes paying off your debt fast, flexible, and easy to get started.

Customizable Savings

Save and repay at your own pace. Choose Budget, Standard, or All mode so you find the pace of repayment that’s right for you.

Pause Transfers

Save on your own terms. Pause for 15, 30, or 60 days; whatever works best for your budget.

Changed Perks Programs

Earn Perk Points by referring friends and family and by reaching repayment milestones. Points never expire, and you’ll be entered in a raffle for a chance to win a free debt loan repayment.