Frequently Asked Questions

The FitBUX Financial Profile

We need your loan details (loan balance, interest rate and monthly payment) to provide you with truly personalized feedback. Don’t worry, it’s really easy and about to become even easier Today: – You can enter your loan details directly when building your FitBUX profile or – You can upload a copy of your loan details directly to your account using our upload function within your FitBUX account and we will enter them for you or – You can email your loan details to your FitBUX coach directly and s/he will add these to your account on your behalf Soon, you’ll able to link your online student loan accounts to your FitBUX accounts with a couple of clicks. More to follow on this soon!

The FitBUX Score

The FitBUX Score is a number between 0 and 1,000. It summarizes your current financial health in an easy to understand number. Your FitBUX Score, based on our proprietary algorithm, uses factors such as personal achievements, past and current earnings, as well as earnings potential. It takes an individual’s past, present, and future into account. We consider the ENTIRE YOU.
No, it is much more than a credit score. Traditional credit scores mostly assess an individual’s history to make decisions which will impact this individual’s future, sometimes for many many years: have you paid you bills on time over the last n years? What is your average credit card balance? This means decisions are made looking in the rearview mirror only. With the FitBUX Score, we’re incorporating not just historical data but also information about your education, profession, and other Human Capital variables to forecast your overall potential and what it means for your financial health today and in the future. The FitBUX Score helps individuals make critical decisions looking at the past, present, and future. That’s a big deal.


Human Capital is defined as “the collective skills, knowledge, or other intangible assets of individuals that can be used to create economic value for the individuals, their employers, or their community”. Human capital is a very valuable asset when considering one’s overall financial picture. However, it’s largely ignored financial institutions. By taking into account one’s Human Capital, we’ve created the first truly complete financial profile, The FitBUX Financial Profile, summarized by the FitBUX Score.
FitBUX’s goal is to build trust with each one of our members by providing access to valuable insight and tools for free: 1) Access to our online platform 2) Getting your financial snapshot and your FitBUX Score 3) Speaking to one of our FitBUX Coaches to further customize your student loan repayment plan We make money by offering products and services that optimize your finance strategy. So far, we’ve partnered with a growing number of financial institutions which offer student loan refinancing options and we are getting paid when you refinance with them. Don’t worry though, this does not cost you anything extra. We are working on other ways to bring value to our users with a combination of new financial products as well as online tools and services that will make it easier to deal with your finance and spend more time doing what you really want to do. If what you really want to do is talk finance…that’s ok, we do too!