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Arbol helps colleges give every student a clear financial plan so they can stay enrolled, pay their bills on time, and remain eligible for the aid that makes college possible. Across higher education, students are expected to follow an academic plan, yet most have no financial plan to guide the decisions that determine their enrollment, persistence, and overall stability. The result is predictable: missed forms, unclear instructions, preventable holds, late disbursements, and rising melt and attrition. These issues overwhelm Financial Aid, Billing, and Student Success teams who are already stretched thin. Arbol gives institutions a better way forward. Our platform consolidates financial aid, billing, scholarships, and personal finances in one place, then creates a personalized financial plan and checklist for every student. Students understand what they owe, what they need to do, and when they need to do it. Institutions gain early alerts, real-time visibility, and the ability to scale proactive support without adding staff. The impact is clear: • 35% lower melt when students build plans early • Students 2x more likely to pay their first bill on time • Students 7x more likely to complete financial aid requirements before the deadline • Significant expansion of staff reach without increasing FTE Arbol supports Financial Aid, Bursar, Opportunity Programs, First-Year Experience, and Student Success units in working together around one shared goal: helping students stay on track academically and financially. Because when every student has a financial plan as clear as their academic plan, institutions reduce barriers, improve retention, and build greater stability across the entire student lifecycle. If you are building a more proactive, student-centered financial experience on your campus, we would love to partner with you.

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David Gonzalez is the Co-Founder, CEO of Arbol.

6 people are employed at Arbol.

Arbol is based in Buffalo, New York.

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