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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

Student Debt Solutions (SDS) has introduced a newly streamlined account-creation experience designed to make it easier than ever for users to begin exploring their student-loan relief options. This improvement reflects SDS’s commitment to delivering a simple, supportive, and intuitive onboarding process—especially for borrowers who may already feel overwhelmed by their loan situation. The updated flow removes unnecessary steps, clarifies what users need to do next, and reduc

In 2025, student loan borrowers faced constant policy changes, legal challenges, and conflicting headlines. While information was everywhere, clarity often wasn’t. As a result, many borrowers made decisions—or delayed them—based on misunderstandings that quietly affected their long-term outcomes. Below are some of the most common misconceptions our experts helped borrowers navigate throughout the year. If My Payment Is Low, I’m on the Right Plan A low monthly payment can feel