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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

At Student Debt Solutions (SDS), every borrower begins with one powerful thing: access to a transparent analysis. Whether you choose to move forward independently through Standard Assistance (DIY) or engage with our Expert Assistance team, you’ll always start with clear, data-driven insights into your repayment options because making an informed decision should never come with a paywall.   The DIY approach is perfect for borrowers who want to explore repayment options on thei

Managing student loans can be confusing — but it doesn’t have to be. At Student Debt Solutions (SDS), we help borrowers take the guesswork out of repayment, forgiveness, and financial planning. Our support team answers thousands of questions every month, and we’ve rounded up the ones we hear most often, along with quick answers to help you make the most of your SDS experience. What Does SDS Do? Student Debt Solutions is an online platform that simplifies the complexity of stu