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Recent Posts
New: PAYE and ICR Forgiveness Resumes
A major step toward long-awaited debt relief has arrived for borrowers in long-term income-driven repayment (IDR) plans. A recent agreement in the case of American Federation of Teachers (AFT) v. U.S. Department of Education marks a concrete move toward resuming loan forgiveness for borrowers enrolled in Pay As You Earn (PAYE), Income-Contingent Repayment (ICR), and other qualifying IDR plans. The settlement also includes a key protection: borrowers who qualify for forgivenes
3 days ago2 min read
Navigating Student Loans During the Holiday Season
As the holidays approach, many borrowers are feeling the strain of balancing celebration with financial obligation. For millions, student loan payments are part of that burden, whether they’re delinquent, on the SAVE plan, or in default. The key takeaway this season? You’re not alone, and even small, informed steps now can make a big difference before the new year begins. For Borrowers Who Are Delinquent If you’ve missed a few payments and are feeling overwhelmed, the holiday
3 days ago3 min read
DIY or Expert Help? Choose the Right Level of Support
At Student Debt Solutions (SDS), every borrower begins with one powerful thing: access to a transparent analysis. Whether you choose to move forward independently through Standard Assistance (DIY) or engage with our Expert Assistance team, you’ll always start with clear, data-driven insights into your repayment options because making an informed decision should never come with a paywall. The DIY approach is perfect for borrowers who want to explore repayment options on thei
3 days ago2 min read
Results are in: Our Most Asked Questions About Student Debt Solutions
Managing student loans can be confusing — but it doesn’t have to be. At Student Debt Solutions (SDS), we help borrowers take the guesswork out of repayment, forgiveness, and financial planning. Our support team answers thousands of questions every month, and we’ve rounded up the ones we hear most often, along with quick answers to help you make the most of your SDS experience. What Does SDS Do? Student Debt Solutions is an online platform that simplifies the complexity of stu
3 days ago3 min read
When “Good Enough” Isn’t Enough
In today’s student loan landscape, the term “help” is being redefined. Tools that Studentaid.gov allow borrowers to see how Income Driven Repayment can reduce their monthly payments. But as counselors and advisors, we know visibility is not the same as understanding. Managing student loan payments goes beyond finding the lowest payment, it is not the full story, and it is not the full solution. At Student Debt Solutions (SDS), we go beyond “good enough.” Our platform was bu
3 days ago2 min read
Empowering Partners with the SDS Savings Tool
In today’s financial landscape, borrowers are seeking clarity, simplicity, and relief — and partners need fast, credible ways to deliver it. The SDS Savings Tool was designed with exactly that mission in mind: to give every partner a powerful, easy-to-use feature that attracts borrowers, builds trust, and delivers measurable results. A Turnkey Feature That Converts Interest into Action Available directly on the Student Debt Solutions (SDS) landing page or seamlessly integrate
7 days ago2 min read
In the News
New: PAYE and ICR Forgiveness Resumes
A major step toward long-awaited debt relief has arrived for borrowers in long-term income-driven repayment (IDR) plans. A recent agreement in the case of American Federation of Teachers (AFT) v. U.S. Department of Education marks a concrete move toward resuming loan forgiveness for borrowers enrolled in Pay As You Earn (PAYE), Income-Contingent Repayment (ICR), and other qualifying IDR plans. The settlement also includes a key protection: borrowers who qualify for forgivenes
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...
Spotlight
Navigating Student Loans During the Holiday Season
As the holidays approach, many borrowers are feeling the strain of balancing celebration with financial obligation. For millions, student loan payments are part of that burden, whether they’re delinquent, on the SAVE plan, or in default. The key takeaway this season? You’re not alone, and even small, informed steps now can make a big difference before the new year begins. For Borrowers Who Are Delinquent If you’ve missed a few payments and are feeling overwhelmed, the holiday
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...
Feature Focus
DIY or Expert Help? Choose the Right Level of Support
At Student Debt Solutions (SDS), every borrower begins with one powerful thing: access to a transparent analysis. Whether you choose to move forward independently through Standard Assistance (DIY) or engage with our Expert Assistance team, you’ll always start with clear, data-driven insights into your repayment options because making an informed decision should never come with a paywall. The DIY approach is perfect for borrowers who want to explore repayment options on thei
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...
Ask the Experts
Results are in: Our Most Asked Questions About Student Debt Solutions
Managing student loans can be confusing — but it doesn’t have to be. At Student Debt Solutions (SDS), we help borrowers take the guesswork out of repayment, forgiveness, and financial planning. Our support team answers thousands of questions every month, and we’ve rounded up the ones we hear most often, along with quick answers to help you make the most of your SDS experience. What Does SDS Do? Student Debt Solutions is an online platform that simplifies the complexity of stu
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...
Insights
When “Good Enough” Isn’t Enough
In today’s student loan landscape, the term “help” is being redefined. Tools that Studentaid.gov allow borrowers to see how Income Driven Repayment can reduce their monthly payments. But as counselors and advisors, we know visibility is not the same as understanding. Managing student loan payments goes beyond finding the lowest payment, it is not the full story, and it is not the full solution. At Student Debt Solutions (SDS), we go beyond “good enough.” Our platform was bu
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...
Tech Talk
Inside SDS: How Numbers Become Real Student 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
Empowering Partners with the SDS Savings Tool
In today’s financial landscape, borrowers are seeking clarity, simplicity, and relief — and partners need fast, credible ways to deliver it. The SDS Savings Tool was designed with exactly that mission in mind: to give every partner a powerful, easy-to-use feature that attracts borrowers, builds trust, and delivers measurable results. A Turnkey Feature That Converts Interest into Action Available directly on the Student Debt Solutions (SDS) landing page or seamlessly integrate
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...
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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