Inside the Repayment Scenario Builder

In about 15 minutes, an SDS session provides a free, personalized recommendation tailored to your goals—whether that’s lowering your monthly payment or minimizing total repayment. Behind the scenes, SDS performs an in-depth analysis, giving you the insights you need to see if the plan is the right fit for you.

As part of our comprehensive review, SDS carefully examines each of the following areas:

• Default Resolution: If you have loans in default, SDS will provide strategies on how to get out of default so you can take advantage of other repayment opportunities.

  
  

• Cancellation Opportunities: Our system uniquely monitors the list of schools that have used fraudulent marketing or have closed prior to you receiving your degree. SDS uncovers your school name from your NSLDS file and provides tools and strategies to seek some form of cancellation.

  
  

• Portfolio Configuration: SDS evaluates every possible way to organize your loan portfolio—from consolidating all loans to consolidating none, or grouping them by type—always considering what’s allowable, to identify the configuration that best aligns with your financial goals

  
  

• Presentation Summary: At the end of your analysis session, SDS presents you with a recommended repayment plan. This plan shows your monthly and total repayments, the term, and any forgiveness opportunities available under the recommended plan.

  
  

• Comparison Tools: The recommended plan also has a tool to compare this plan with your current payment situation.

  
  

• Private Loan Options: If you have private loans, SDS lets you add your loan information either by importing your credit report or entering it manually. In the recommended solution presentation, you’ll also be able to explore private loan options, with links to additional resources such as refinancing, loan modification, debt settlement, and legal services.

After just 15 minutes with SDS, you can be confident that every possible option has been considered, and you’ll receive a recommendation for the best solution available to you.

If you're still overwhelmed, you can use the chat to contact us, schedule a time with our support team to guide you, or download instructions on how to access your file to use on your own. Our team wants to ensure you have everything you need to get the most accurate results for your student loan repayment using Student Debt Solutions.