Your most recent household tax return(s) and your student loan data. If you have federal loans, you can download this information from National Student Loan Data System. If you have private loans, a recent monthly statement should have everything you need.

If you have everything that you need, an average session from start to finish takes about five minutes. Most questionnaires end up being about 20 questions.

Once you complete the questionnaire, your action plan is immediately downloadable as a PDF file. We will also email you a copy as a backup.

We are 100% confident that we can find some type of solution for your situation. We can address various monthly payments you are eligible for or even find a solution such as cancellation or forgiveness. We are positive that you will walk away feeling more confident about your student loan debt and financial situation.

We purposely limit our questions to what is commonly referred to as low-impact personally-identifiable information (PII) to minimize any risk to you. No birthdays, social security numbers, or mother's maiden names here. On top of that, our application meets top information security standards. It holds to the National Institute of Standards and Technology (NIST) Special Publication (SP) 800.53 and is Open Web Application Security Project (OWASP) compliant.

We know there are a lot of options out there, and not all of them are respectable. We are a group of experienced, passionate people that want to help you tackle your student loan debt. We know it’s complex and have spent years working on a self-service solution that is affordable and accessible. We also know some of those other companies (including studentaid.gov) don’t take into account every option and look at your whole financial picture. SDS is an easy-to-use platform that gives you the confidence you’re making the right decisions.

We are not a bank, debt consolidator, collection agency, loan servicer, private lender or refinance company. We don’t sell your data. We are here to help you identify your options so that you can have a debt-free future.

It is true that you can find information about federal programs and payment plans readily available online or by contacting the Department of Education. The hard part is independently sifting through information for the plan/program or combinations of plan/program(s) that match the correct loan types/income/occupation requirements to find the ones you are eligible for and then following through to completion.
You can also contact your servicer, but keep in mind that the servicer’s primary function is as a servicer/creditor. Typically, servicers provide some scope of assistance related to the available payment plans - an overview of what each plan would cost. The servicer also has no visibility to your NSLDS file so their insight into your loan scenario is limited to the current loan they are managing. They cannot determine loan history or consider any repayment or statuses prior to the loan coming under their oversight. Although servicers should be expected to provide quality guidance, they often fall short. This is proven by numerous lawsuits and the recent reports provided by the Center for Financial Protection Bureau (CFPB).

SDS is the only online platform that will truly give a borrower a complete picture of the repayment of their student loans. SDS provides an analysis of your entire student loan debt. When recommending the right plan, we evaluate both government (public) and private loans.