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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

December isn’t just the end of the year—it’s one of the most financially important moments to pause, reset, and plan ahead. Between holiday spending, insurance renewals, tax decisions, and monthly bills, the choices you make now can directly affect how manageable your student loan payments feel in the coming year.  A year-end student loan checkup helps ensure your repayment strategy matches your real life, not just what looked good on paper months ago.  Take a Look at the Fu

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

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