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Recent Posts
How the Government Shutdown Could Impact Student Loan Borrowers
As of October 1, 2025, the U.S. federal government is in a partial shutdown after Congress failed to pass new funding legislation. While many essential operations will continue, several functions within the Department of Education (ED) and Federal Student Aid are being furloughed, raising concerns about potential disruptions for student loan borrowers. Key Impacts to Watch Loan payments remain due. Borrowers must continue making payments during the shutdown. Servicing and s
14 hours ago2 min read
Inside SDS: How Numbers Become Real Loan Strategies
When borrowers visit Studentaid.gov, they can see their balances and explore repayment options. But what they don’t get is clarity. The federal simulator is limited to static “what-if” numbers that assume every borrower’s situation fits neatly into one model. The reality is—it doesn’t. That’s why Student Debt Solutions (SDS) built a calculator system designed to do far more than show balances. Our calculators are interactive, dynamic, and guided by a real decision framework t
1 day ago2 min read
Stop Settling for ‘Good Enough’: A Smarter Way to Manage Your Student Loans
For millions of borrowers, today’s student-loan landscape feels like a maze with moving walls. Rules, income-driven plans, forgiveness pathways, and default remedies all exist—but stitching them into a usable, personalized plan is hard. Servicers are built to administer accounts, not to model strategy; StudentAid.gov is rich with information, but thin on end-to-end execution for complex, mixed-loan situations. The result is that borrowers often face less-than-optimal choic
1 day ago2 min read
I Already Have FSA and a Loan Servicer — Why Would I Need Student Debt Solutions?
For many borrowers, managing student loans means juggling confusing repayment plans, forgiveness rules, and eligibility requirements. While Federal Student Aid (FSA) and loan servicers provide essential access and support, they don’t always make it easy to see the full picture. Student Debt Solutions (SDS) was built to change that—offering a smarter, more strategic way to understand and manage your student debt. Q: I already have access to my loans through Federal Student Aid
1 day ago2 min read
Real Stories, Real Impact: What Borrowers Say About SDS
When it comes to student loans, most borrowers are left in the dark—stuck between confusing information on Studentaid.gov and limited guidance from their servicer. That’s where Student Debt Solutions (SDS) changes the game. Our platform bridges the gap by combining powerful calculators, personalized analysis, and real human support that go far beyond what the federal portal or a call center can offer. Across the country, borrowers are telling us the same thing: “I thought Stu
2 days ago3 min read
DebtHelper Grows their Student Loan Services with SDS
At DebtHelper, we have helped many thousands of consumers with their debt challenges for almost three decades. As a non-profit company, we provide education and counseling for our clients with debt, credit and housing challenges in additional to helping them find affordable housing. We pride ourselves in offering a comprehensive suite of education and guidance for our clients – we even make referrals to bankruptcy attorneys when a client’s financial situation warrants. One a
2 days ago2 min read
In the News
How the Government Shutdown Could Impact Student Loan Borrowers
As of October 1, 2025, the U.S. federal government is in a partial shutdown after Congress failed to pass new funding legislation. While many essential operations will continue, several functions within the Department of Education (ED) and Federal Student Aid are being furloughed, raising concerns about potential disruptions for student loan borrowers. Key Impacts to Watch Loan payments remain due. Borrowers must continue making payments during the shutdown. Servicing and s
Forbearance by the Millions
As of July, reports show that more than 13 million borrowers are in forbearance or deferment. This follows a troubling trend we...
New Legislation Opens the Door for Parent PLUS Loan Borrowers—But with a Deadline
Recent legislative changes have created a major opportunity for Parent PLUS loan borrowers — one that could lead to significantly lower...
Spotlight
Stop Settling for ‘Good Enough’: A Smarter Way to Manage Your Student Loans
For millions of borrowers, today’s student-loan landscape feels like a maze with moving walls. Rules, income-driven plans, forgiveness pathways, and default remedies all exist—but stitching them into a usable, personalized plan is hard. Servicers are built to administer accounts, not to model strategy; StudentAid.gov is rich with information, but thin on end-to-end execution for complex, mixed-loan situations. The result is that borrowers often face less-than-optimal choic
How to Identify Student Loan Scams
Even highly educated borrowers, like a Harvard graduate and Notre Dame professor I once worked with, have told me that navigating student...
Consolidating Parent PLUS Loans: Slash Payments and Unlock Forgiveness
Consolidation is the process of combining one or more federal student loans into a single new Direct Consolidation Loan through the U.S....
Feature Focus
Inside the Repayment Scenario Builder
In about 15 minutes, an SDS session provides a free, personalized recommendation tailored to your goals—whether that’s lowering your...
Automatically Upload Your Student Loan File with SDS—We Guide You Every Step
Managing student loans can feel overwhelming, but Student Debt Solutions (SDS) makes it easier by automating key steps—like importing...
Free and Powerful: Use this SDS Tool to Find the Right Repayment Plan for You
One thing that sets SDS apart is that borrowers can explore all their repayment options completely free—no upfront cost to see what they...
Ask the Experts
I Already Have FSA and a Loan Servicer — Why Would I Need Student Debt Solutions?
For many borrowers, managing student loans means juggling confusing repayment plans, forgiveness rules, and eligibility requirements. While Federal Student Aid (FSA) and loan servicers provide essential access and support, they don’t always make it easy to see the full picture. Student Debt Solutions (SDS) was built to change that—offering a smarter, more strategic way to understand and manage your student debt. Q: I already have access to my loans through Federal Student Aid
What Makes Me Eligible for Forgiveness?
When you hear the word forgiveness, it can sound like a magic button that wipes away your loans. Unfortunately, some companies prey on...
Top Questions About Student Loan Discharge in Bankruptcy
At Student Debt Solutions, we have been working with bankruptcy attorneys for a number of years, which gives us valuable insight into the...
Insights
One Year of Monthly Insights: Helping Borrowers Stay Informed and Empowered
It’s hard to believe, but it’s been a full year since we started sending our first newsletter, SDS Advisor. Every month, our goal has...
Unlocking Hope: How Student Loan Discharge Transforms Clients and Strengthens Your Practice
For decades, bankruptcy attorneys have assumed student loans were the “untouchable” debt. We would tell clients, “Sorry, bankruptcy...
New IBR Rules Reduce Payments for Parent PLUS Borrowers — But Only If You Act
Under the new rules , Income Based Repayment (IBR) can dramatically reduce payments for Parent PLUS borrowers who consolidate. The...
Tech Talk
Inside SDS: How Numbers Become Real Loan Strategies
When borrowers visit Studentaid.gov, they can see their balances and explore repayment options. But what they don’t get is clarity. The federal simulator is limited to static “what-if” numbers that assume every borrower’s situation fits neatly into one model. The reality is—it doesn’t. That’s why Student Debt Solutions (SDS) built a calculator system designed to do far more than show balances. Our calculators are interactive, dynamic, and guided by a real decision framework t
SDS Teams Up with Jubilee to Expand Student Loan Relief Options for Bankruptcy Clients
The economy has been tough on families across the country—and it shows. Personal bankruptcies are up 13–14% over the past year, and...
Ready, Set, Submit: Your Roadmap to Student Loan Success
Once you’ve reviewed your repayment options and chosen a strategy that fits your financial goals, the next step is putting that plan into...
SDS Updates
New Tools, More People: Expanding Student Loan Support for Every Borrower
At Student Debt Solutions, our mission has always been to help borrowers identify the most effective repayment strategies for their...
Expanded Private Loan Options for Your Clients
At Student Debt Solutions (SDS), we are committed to helping you support your clients with clear, actionable repayment guidance. While...
Release Notes: Feb 1, 2025
We are pleased to announce the latest update of Student Debt Solutions. In this release we continue our pursuit of the most comprehensive...
Announcements
IndiSoft Adds Student Debt Solutions to Its HomePrep™ Module for Housing Counselors
Baltimore MD. June 19th 2024. In another move to enrich the benefits of IndiSoft’s collaborate technology solution dedicated to expanding...
Simplify the Complexity of Student Loan Relief
For more than a decade Student Debt Solutions has been providing student loan borrowers with unbiased, third-party advice to tackle their student loan debt. Solutions include revised repayment plans that lower payments, potential loan cancellation and forgiveness.
THE PROBLEM
The rules regarding student loans can be complex and confusing. It’s easy to miss out on the best program if you don’t look at everything. And with what seems like a new program being announced every month, you’re left thinking, What’s right for me?
THE SOLUTION
Student Debt Solutions is an online tool that quickly provides a free comprehensive, in-depth analysis of your student debt providing you a list of all eligible plans. Then we help simplify your options by recommending the best plan for your financial goals and situation.
THE TOOLS
We’ve been experts in this field for 12+ years. We can help make your plan a reality with quick and easy access to the right tools including a student loan counselor. We know the rules and can help you through the maze of options.
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