Abstract: A student loan repayment system for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a student loan holder interface, creating a student profile, forming an account for accumulating money linked to another account, enabling the student loan holder to input goals, and enabling the student loan holder to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the student loan holder, an amount of money repaid by not purchasing a product or service, an amount of money repaid by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.

Abstract: A cloud computing system and method for accumulating money using a client device, a computing cloud, and a network, wherein a cloud data storage contains computer instructions for presenting a user interface, creating a user profile, forming an account for accumulating money linked to another account, enabling the user to input goals, and enabling the user to make and receive deposits into the account for accumulating money. The deposits can include an amount of money selected by the user, an amount of money saved by not purchasing a product or service, an amount of money saved by purchasing a lower priced product or service, a similar product with a rebate, another promotional incentive for purchasing a product, or an amount of money associated with a non-monetary goal.