SECURE Act 2.0

Student Loan
Matching Program

Turn your student loan payments into retirement wealth. The benefit that lets you build your future while crushing debt.

Student debt grew 4.5% annually through 2019 — 2x faster than wage growth
$1.81T
Total U.S. Student Debt
Source: Education Data Initiative, Q2 2025 student loan debt statistics
42.5M
Americans with Student Loans
Source: Education Data Initiative, 2025 federal student loan borrower data
$39K
Average Federal Debt
Source: Education Data Initiative, 2025 average federal student loan debt per borrower

How It Works

A win-win benefit that transforms student loan payments into retirement assets

For Employees

Make student loan payments and receive employer 401(k) matching contributions as if you contributed directly to your retirement account. No need to choose between paying off debt and saving for retirement.

For Employers

Offer a competitive benefit that helps younger employees build retirement savings while managing student debt. Improve retention and attract top talent without increasing costs.

Real Impact, Real Numbers

See how the program transforms different career paths

👩‍🎓
Starting Salary

Recent Graduate

Student Debt
Loan Term
Employer Match
Retirement Value (Age 65)
👨‍💼
Starting Salary

MBA Graduate

Student Debt
Loan Term
Employer Match
Retirement Value (Age 65)
👩‍⚕️
Starting Salary

Medical Professional

Student Debt
Loan Term
Employer Match
Retirement Value (Age 65)

Try more scenarios instantly

Your Retirement Calculator

See exactly how much wealth you'll build at retirement

Your Information

Your Impact

Employer matching contributions only (excludes your own 401k contributions)

Loan Payoff

Employer Adds

Age 65 Value

Calculator Inputs

Annual Salary:
Total Debt:
Monthly Payment:
Match Rate:
Current Age:

Generated from SECURE Act 2.0 Calculator - https://401k.ansonbiggs.com

How the Calculation Works

  • • Employer Matching: Your employer matches your student loan payments as 401(k) contributions, up to the specified match rate (% of salary)
  • • Annual Match Amount: Minimum of (your annual loan payments, match cap based on salary percentage)
  • • Compound Growth: Each year's contribution grows at 7% annually from the time it's contributed until retirement
  • • Net Worth: Calculated as retirement account balance (from matching only) minus remaining student loan debt
  • • What's Included: This calculator shows only the value from employer matching contributions, not your own 401(k) contributions

Key Assumptions

  • • Investment Returns: 7% average annual return (S&P 500 long-term average: 9.96% nominal, ~7% real after inflation - Investopedia, 2025)
  • • Loan Interest Rate: 5% annual rate (representative federal student loan rate)
  • • Retirement Age: 65 years old
  • • Without Program: After loan payoff, you contribute the same amount to 401(k) that was going to loans (up to match cap)
  • • Context: Student debt grew 4.5% annually through 2019—nearly twice as fast as wage growth

Note: This calculator provides estimates for educational purposes. Actual results will vary based on your specific loan terms, employer plan details, investment performance, and contribution consistency. Consult with a financial advisor for personalized advice.

Data Sources: Student loan statistics from Education Data Initiative (2025). Investment return assumptions based on S&P 500 historical performance data from Investopedia (2025). Federal Reserve household debt data from NY Fed Center for Microeconomic Data. Growth rate comparisons use 2019 pre-pandemic baseline data.

Why Employers Love This

A competitive benefit that costs nothing extra

Attract Talent

Stand out to younger professionals managing student debt

Zero Extra Cost

Reallocate existing 401(k) match budget—no new expense

Improve Retention

Employees value benefits that address real financial challenges

Promote Equity

Help all employees access retirement benefits equally

Ready to Transform Benefits?

The SECURE Act 2.0 student loan matching program can change lives.
The time to act is now.