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You Need a Budget, or YNAB, is a personal finance software that’s aimed to help you improve your financial literacy as you manage your monthly budget. Aplos provides online fund accounting software that lets schools manage their tuition, financials, and fundraisers. It gives you the tools you need to take control of your financial software for education finances. Welcome to a better experience. Ultimately,. Student Financial Planning is designed specifically to simultaneously support all academic models—nonterm, standard term, nonstandard term, and competency—based education—giving institutions the flexibility to embrace new and innovative programs.