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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

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

As of July, reports show that more than 13 million borrowers are in forbearance or deferment. This follows a troubling trend we...

At SDS, we regularly analyze user data to improve our tools, better understand borrower needs, and help future users know what to expect....

Over 40 million Americans are carrying student loan debt, and it’s easy to feel like you're facing this challenge alone. Yet, countless...

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

As student loan borrowers continue navigating the complexities of repayment, we know the uncertainty surrounding Income-Driven Repayment...

As tax season approaches, many student loan borrowers may not realize how their tax filing choices can impact their repayment options....

March 5, 2025 – We want to keep you informed about critical changes affecting income-driven repayment (IDR) plans and loan consolidation...

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...

As we welcome a new year, it’s the perfect time to reflect on financial priorities and set meaningful goals. For student loan borrowers,...

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

The timing of income recertification for Income-Driven Repayment (IDR) plans depends on your specific plan and recent developments in...

The status of the SAVE repayment plan and what it means for you.

Review the available student loan repayment options and actions you can take today

August 9, 2024 – A recent Federal court decision that affects your student loan repayment options, specifically the Saving on a Valuable...

June 25, 2024 – SDS Ready to Assist Borrowers Amid Changes to Student Loan Repayment Plans In light of recent federal court decisions...