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As we approach the end of December, major student-loan policy changes are coming into focus and one of the most significant involves Income-Based Repayment (IBR) .   At the same time, the Department of Education has formally announced the end of the SAVE repayment plan, as part of a settlement being pursued with the State of Missouri. As a result, millions of borrowers who relied on SAVE will now be required to transition into a new repayment plan. Against that backdrop, the

As 2025 comes to a close, the federal student loan landscape is entering one of its most consequential transitions since repayment resumed. The formal wind-down of the SAVE repayment plan, combined with rising delinquency and a major expansion of Income-Based Repayment (IBR), has put millions of borrowers at a crossroads.  This moment isn’t just about policy changes, it’s about whether borrowers can adapt in time to avoid unnecessary financial harm.  Millions Will Need a New

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

Recent legislative changes have created a major opportunity for Parent PLUS loan borrowers — one that could lead to significantly lower...

Consolidation is the process of combining one or more federal student loans into a single new Direct Consolidation Loan through the U.S....

Under the new rules , Income Based Repayment (IBR) can dramatically reduce payments for Parent PLUS borrowers who consolidate. The...