Decoding the SDS Action Plan: A Borrower-Driven Approach to Student Debt

What Is an SDS Action Plan?

The Student Debt Solutions (SDS) Action Plan is a personalized strategy created based on the borrower’s selections within the SDS software—sometimes assisted or guided by our student loan experts. Rather than a generic repayment guide, the action plan reflects the borrower’s unique financial situation, chosen preferences, and eligibility for various loan programs.

How Is It Created?

Borrowers using the SDS software are guided through a structured process where they input details about their loans, income, and repayment goals. They are then presented with different repayment, consolidation, and forgiveness options. Each selection they make within the software directly influences the final steps outlined in their action plan.

This means that no two SDS Action Plans are exactly alike—they are generated based on the borrower’s choices, ensuring a tailored approach to student debt management.

Why Is It Important?

1. A Personalized Debt Management Strategy

Because the borrower actively selects their preferred repayment path in SDS, the action plan is not a one-size-fits-all document. It reflects the borrower's own financial priorities, whether that’s lowering monthly payments, minimizing interest, or working toward loan forgiveness.

2. Clear Guidance on Next Steps

Many borrowers feel overwhelmed by student loan options. The SDS Action Plan eliminates confusion by providing clear, borrower-driven next steps that align with their chosen strategy.

3. Access to Relevant Financial Relief Programs

SDS ensures that borrowers are only presented with programs they qualify for, such as income-driven repayment plans, deferment options, or loan forgiveness programs. The action plan then outlines the required steps to enroll in these programs, complete with direct links to necessary forms.

4. Proactive Financial Planning

Because borrowers create their plan based on real-time selections, they gain a clearer picture of their financial future. The action plan helps them anticipate payment amounts, loan payoff timelines, and potential cost savings based on their personal input.

How to Read an SDS Action Plan

Each action plan follows a structured format based on the borrower’s software selections:

1. Loan Overview: A snapshot of the borrower’s loan details, including balances, interest rates, and servicer information.

2. Borrower-Selected Repayment Strategy: A breakdown of the repayment plan, consolidation choice, or forgiveness program the borrower opted for.

3. Action Steps: A personalized, step-by-step guide outlining what the borrower needs to do next based on their selected solution.

4. Required Documents & Links: Direct access to applications and forms needed to complete the borrower’s chosen repayment strategy.

5. Projected Outcomes: Estimated monthly payments, total loan costs, and timelines based on the borrower’s selections.

The SDS Action Plan is more than just a debt management guide—it’s a borrower-driven roadmap to financial stability. Because it is created based on selections made within the software, each plan is uniquely tailored to the borrower’s situation and financial goals. By following the customized steps, borrowers can confidently navigate student debt repayment with a clear strategy in place.

If you’re navigating your student loans and need support, don’t hesitate to see how we can help you achieve your goals and find the best path forward. Log in to Student Debt Student to get started.