Upromise is a Newton, Massachusetts-based company that provides a loyalty program of the same name, where members accrue credits on eligible purchases that are directed to a college savings plans or to pay down student loans. Upromise members accrue account credit on eligible purchases from grocery stores, online retailers, travel, and restaurants. Members can direct their earnings into a high-yield savings account or tax-deferred 529 plan, use it to pay down eligible student loans or request a check as the money is not required to be spent on college-related expenses.