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If you’ve ever tried to make sense of your federal student loans, you already know the hardest part is getting accurate, complete data in one place. That’s exactly what your NSLDS file provides—and why SDS uses it as the foundation for building your repayment and forgiveness options. What Is the NSLDS File? Your NSLDS (National Student Loan Data System) file is the official record of: All your federal loans (past and present) Loan types, balances, interest rates. Service prov

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

In about 15 minutes, an SDS session provides a free, personalized recommendation tailored to your goals—whether that’s lowering your...

Managing student loans can feel overwhelming, but Student Debt Solutions (SDS) makes it easier by automating key steps—like importing...

One thing that sets SDS apart is that borrowers can explore all their repayment options completely free—no upfront cost to see what they...

Graduation means more than just tossing a cap in the air—it’s the beginning of your repayment journey. And the key to navigating that...

What Is an SDS Action Plan? The Student Debt Solutions (SDS) Action Plan is a personalized strategy created based on the borrower’s...

At Student Debt Solutions (SDS), we know that navigating student loan repayment can feel overwhelming—especially if you have both federal...

One of the most powerful resources SDS offers is the Calculator Tool, designed to empower borrowers with a comprehensive understanding of...

At Student Debt Solutions (SDS), we know that every borrower’s journey is unique. For some, navigating repayment plans and forgiveness...

If you’re unsure about your current plan or want to explore how different scenarios might impact your repayment options and program...

When logged into the SDS online tool, you can reach out to us as you need throughout your journey. To access our Chat, simply log in to...

Within the SDS online tool, after entering your income and goals, uploading your student file, and answering a brief set of questions, we...