Principia deploys a team of specialized AI agents — each powered by Amazon Nova — to analyze your loans, audit your documents, and model every repayment path. In minutes, not months.
Lifecycle-Aware
Principia routes you to the right agents based on your exact situation — no one-size-fits-all advice.
Just entered repayment
Understand your loan landscape, set up the right repayment plan, and build a strategy before interest compounds.
Explore repayment plans
SAVE, PAYE, or IBR
Audit your current IDR plan for hidden risks, recertify at the right time, and model scenarios where extra payments save thousands.
Audit my plan
Working toward forgiveness
Track qualifying payments, verify employer eligibility, and know exactly how many months remain to forgiveness.
Check PSLF status
Federal vs. private tradeoffs
Model every refinancing scenario against your current federal benefits. Know exactly what you gain — and what you lose.
Model scenarios
Multi-Agent Architecture
Each agent runs on the Amazon Nova model sized for its task — from microsecond routing to deep multi-step reasoning.
Triages your situation in milliseconds and routes you to the right strategy — no forms, just plain English.
Reads your loan servicer documents with multimodal AI, flags errors, and surfaces hidden risks.
Models every repayment path — IDR, avalanche, PSLF, refinancing — using extended reasoning and tool calls.
Connects to your loan servicer via Plaid, extracts real balances and rates, and keeps your data fresh.
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