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If you haven’t heard from your loan servicer lately, if your balance looks “normal”, if your payments feel manageable, it’s easy to assume your student loans are fine. But after working with thousands of borrowers, we see the same pattern over and over again. Many people who think they’re “in good shape” are actually one step away from missing forgiveness, overpaying, or staying stuck in a temporary solution that quietly creates long-term consequences. Here are 5 red flags we

For most borrowers, their loan servicer’s portal is the primary place they monitor their student loans. It shows a balance, a payment amount, and a current status, and on the surface, which can feel like all the information you need. But in practice, a servicer portal only shows part of your student loan story. There is a real gap between what your current servicer can see and your full student loan history. Servicers only have visibility into the period of time they’ve held

Behind every accurate SDS recommendation is one critical data source: your NSLDS file . Most borrowers log into their loan servicer’s website and assume they’re seeing the full picture. But that portal only shows a snapshot of your loans today. It does not show your complete federal loan history. Your NSLDS file—available at StudentAid.gov —is the federal government’s official system of record for your student loans. It includes your full loan history across servicers, repaym