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If you haven’t heard from your loan servicer lately, if your balance looks “normal”, if your payments feel manageable, it’s easy to assume your student loans are fine. But after working with thousands of borrowers, we see the same pattern over and over again. Many people who think they’re “in good shape” are actually one step away from missing forgiveness, overpaying, or staying stuck in a temporary solution that quietly creates long-term consequences. Here are 5 red flags we

Behind every accurate SDS recommendation is one critical data source: your NSLDS file . Most borrowers log into their loan servicer’s website and assume they’re seeing the full picture. But that portal only shows a snapshot of your loans today. It does not show your complete federal loan history. Your NSLDS file—available at StudentAid.gov —is the federal government’s official system of record for your student loans. It includes your full loan history across servicers, repaym

We know, this is a lot. But this is also one of those “ slow down and read it ” moments. After years of pauses, extensions, and temporary relief, multiple student loan changes are hitting at once. What happens next could directly affect your paycheck, your tax refund, and your repayment strategy in 2026 and beyond. Here’s what matters most and why now is the time to pay attention. Wage Garnishment Is Returning for Borrowers in Default For the first time since before the pande

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

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

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

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

When you hear the word forgiveness, it can sound like a magic button that wipes away your loans. Unfortunately, some companies prey on...

For decades, borrowers have heard that student loans are almost impossible to discharge in bankruptcy. While it’s never been easy,...

At Student Debt Solutions, we have been working with bankruptcy attorneys for a number of years, which gives us valuable insight into the...

As we hit the midpoint of 2025, several important developments are shaping the student loan landscape—and borrowers need to stay alert....

As we reach the halfway point of the year, it's the perfect time to pause, reflect, and take stock of where you stand in your student...

As of May 5, 2025, the U.S. Department of Education has officially resumed full-scale collections on defaulted federal student loans....

There’s been a lot of buzz recently about Public Service Loan Forgiveness. A new executive order signed on March 7 by the Trump...

If you work in public service or have in the past, it’s important to know about Public Service Loan Forgiveness (PSLF) — a federal...

For most borrowers pursuing PSLF, yes — you should strongly consider switching out of SAVE. Here’s why: What’s Changed with SAVE and...

For years, borrowers have enrolled in Income-Driven Repayment (IDR) plans with the promise of loan forgiveness after 20 or 25 years. But...

Tax season can be a stressful time, especially for student loan borrowers looking to optimize their financial situation. While student...

February 26, 2025 – We want to provide you with critical updates regarding recent developments affecting federal student loan repayment...

In recent months, there have been significant developments in student loan policies that may impact your repayment strategy. Here's a...