Overwhelmed with Student Loans?

There are so many mixed messages on forgiveness programs right now. But don't worry, we can help! In about 20 minutes, and no upfront costs or credit card, see if you qualify for a lower monthly payment plus forgiveness or cancellation.

What's Right for Me?

Navigating student debt relief can feel like a maze with over 32 loan types, 43 distinct loan statuses and 10 programs based on your loan date – that’s a whopping 18,000 potential combinations! It's easy to miss out on the best program if you don't see the whole picture. And here's the thing, there's no do-over in Federal debt relief.

But hey, don't stress! Our online tool engages with you, asking tailored questions about your Federal and private loans, as well as your financial situation. In just about 20 minutes, 1000 data points are analyzed against 1200 rules to provide you with a clear set of recommendations and a step-by-step action plan.

A Simple Solution to a Complex Problem

Let us help you figure out the best path! Our online tool was designed to quickly and succinctly automate a counselor's knowledge of the student loan rules to provide a set of actionable next steps based on each debtor’s unique situation.

Forgiveness and Cancellation

Discover programs for forgiveness and discharge based on occupation, disability, death, or school closure.

Consolidation and Refinance

Tailor your monthly loan amount and payment schedule to align with your income and financial goals.

Repayment Programs

Explore the best repayment plan for your situation from all the Federal repayment options, including SAVE.

Default Resolution

Stop wage garnishment and collections and make a plan to take control of your student loan debt.

How Do I Get Started?

With no upfront costs or credit card, see if your loans qualify for a lower monthly payment plus forgiveness and cancellation in about 20 minutes!

On average, users have found about $331 in savings per month on their loan payment. Plus, we've identified some level of forgiveness for 55% of the users. So what are you waiting for?

‍It costs nothing to get started. Once you see your individual student loan savings, it's up to you whether you want to proceed by paying a one-time fee of $99 to get all the tools to make this plan a reality.
Your Personalized Student Loan Analysis

Create an online account with Student Debt Solutions

There is no cost to see your savings! Start by giving us some basic information to confirm your account via email. No credit card required!

Enter Your Financial Details and Goals

Share your income, tax filing status and family size. Plus, we'll ask you about your debt repayment goals and take that into account when recommending the right path.

Upload Your Student Loan Data

All your Federal loan data is organized in one file (NSLDS) providing over 60 data points on each loan. This file is critical to understanding the full picture of your debt. If you don't have this file, we can help you get it with your FSA ID and password.

See how to download your NSLDS file from studentaid.gov


Complete the Questionnaire

Using the data you provided, our AI prompts questions specifically designed to quickly and comprehensively grasp your financial situation.

See Your Personalized Student Loan Analysis

With no upfront costs, see your potential monthly payment and if you qualify for any forgiveness or cancellation programs. The decision to proceed is entirely yours!

Take Action

Pay a one-time fee of $99 to see step-by-step how to reduce your student loan debt. We give you all the tools and forms to prepare, sign and submit your new action plan into reality.

What Do I Need to Begin?

Dedicated Time

Set aside at least 20 minutes on your phone, tablet or computer to upload your data and complete the questionnaire.

Annual Income

We'll ask you some basic financial questions. So grab last year’s tax return – or we can help you calculate your AGI based on your wages.

Student Loan Data File

You’ll need to download your NSLDS file from the FSA site. If you don't have it, we can help – make sure you know your FSA ID and password.

By the Numbers

Since the payment moratorium ended in October 2023, this online tool has helped many student loan borrowers reduce AND eliminate all or some of their debt.
Average Monthly
Payment Savings Found
Average Total Repayment
Savings Found
Users Discovered
Users Discovered

Experience Matters

Our development team has been in the industry for more than a decade and developed SDS to quickly and succinctly automate a counselor's knowledge of the rules to provide a set of actionable next steps based on each debtor’s unique situation. We’re confident our online platform can recommend the right path, but don’t worry, if you want to talk to someone before proceeding, schedule a FREE Consultation!
We are a fully accredited, licensed and bonded 501(c)(3) nonprofit and a long standing member of the NFCC.
We are not a debt consolidator, collection agency, loan servicer, private lender or refinance company.

In the News

Back in March 2020 and due to the COVID-19 pandemic, federal student borrowers were allowed to skip payments without penalty and loan interest rates were set to 0%. So, although you didn’t have to wrestle with your student loan debt during this period, payments resumed in October 2023. With collection efforts, including collection calls and wage garnishment, set to resume a year later. (September 2024)

Before this, the Supreme Court blocked the Biden-Harris student loan forgiveness plan which granted Federal loan borrowers up to $20,000 in debt cancellation under the HEROES Act. The Biden-Harris Administration immediately shifted focus to pursuing debt relief through the Higher Education Act of 1965, according to the White House.

The new plan from the Biden-Harris Administration includes a new repayment plan, called The Saving on a Valuable Education (SAVE) Plan which according to the White House, will save borrowers around $1000 a year. There are many facets to this plan, with the first phase in February 2024 when 150,000 borrowers had their debts canceled. These borrowers were on the new SAVE Plan with under $12,000 of debt and at least 10 years of payments. If you weren’t automatically enrolled in the new SAVE Plan, you may be eligible by consolidating your loans by April 30, 2024. The next wave of benefits happen on July 1, 2024. Read the full announcement of all the benefits the SAVE Plan brings.

Is the new SAVE plan right for you? With only 1 out of 6 borrowers enrolling in the new SAVE plan, there could be other repayment plans that may benefit your personal situation. Don’t worry we're here to help you understand ALL your eligible repayment plan options. The Department of Education has been issuing account adjustments not only for SAVE but also other repayment plans. These payment revisions are coming because of past behavior from servicers in an effort to account for times when servicers could have been misleading borrowers. If another Income-Driven Repayment Plan is the better option for you including Pay As You Earn (PAYE), Income-Based Repayment (IBR) or Income-Contingent Repayment (ICR), or if you are eligible for Public Service Loan Forgiveness these account adjustments can significantly reduce the amount of time you have until you reach forgiveness. But Act now because the deadline to qualify is April 30, 2024.

With all the changes happening in the coming months, now is the time to review your options, see what you qualify for and make a plan. It’s important to act now to avoid:

In just 20 minutes, with no upfront costs or credit card, you can see if your unique situation qualifies for a lower monthly payment as well as forgiveness or cancellation.  Student Debt Solutions quickly and succinctly automates a counselor's knowledge of the (ever-changing) rules to provide you with the most up-to-date information and programs for your student loan debt. So why not try it out?

Along with questions about your financial status and your financial goals, Student Debt Solutions uses your National Student Loan Data System (NSLDS) file which provides a centralized, integrated view of your federal student aid loans and grants. This file is important as it’s the official record of all your federal student loan debt as reported by studentaid.gov. In many cases, after waiting on hold (on average 70 minutes) to talk to someone at your servicer, they cannot provide you with the best program as they likely don’t have access to this file. Simplify the process! Save the hassle and time by using Student Debt Solutions.

Connect with Us

We get it – it’s a big decision. But now that student loan payments are back, the more you delay in taking action, the more interest piles up each day, driving you further into debt.