As of October 1, 2025, the U.S. federal government is in a partial shutdown after Congress failed to pass new funding legislation. While many essential operations will continue, several functions within the Department of Education (ED) and Federal Student Aid are being furloughed, raising concerns about potential disruptions for student loan borrowers. Key Impacts to Watch Loan payments remain due. Borrowers must continue making payments during the shutdown. Servicing and s

When borrowers visit Studentaid.gov, they can see their balances and explore repayment options. But what they don’t get is clarity. The federal simulator is limited to static “what-if” numbers that assume every borrower’s situation fits neatly into one model. The reality is—it doesn’t. That’s why Student Debt Solutions (SDS) built a calculator system designed to do far more than show balances. Our calculators are interactive, dynamic, and guided by a real decision framework t

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 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

At DebtHelper, we have helped many thousands of consumers with their debt challenges for almost three decades. As a non-profit company, we provide education and counseling for our clients with debt, credit and housing challenges in addition to helping them find affordable housing. We pride ourselves in offering a comprehensive suite of education and guidance for our clients – we even make referrals to bankruptcy attorneys when a client’s financial situation warrants. One are