Having great finances is better for everyone whether you have student loans or not. I prefer solutions that teach people to fish than give them fish. Apps can manage difficult tasks with much ease without having to resort to professional help which is going to cost you more.

One of the downside of debit cards (except for the ones like Crypto.com card) is that you are not really getting any rewards/cashback for spending. Spinwheel is free to join and you can have many benefits that are normally reserved for credit cards. Being FDIC Insured is another plus.

I wonder if there is a version for those who are not in debt or if you can keep getting rewarded even after you have paid your debt.