Simplify the Complexity
of Student Loan Relief

In a couple of minutes, understand what your options are and what your next steps should be. No risk to see your options. No payment to get started.

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Develop the Right Plan for a Debt-Free Future

There are a lot of options to address student loan debt, but how do you know what’s right for you? If you don’t have all the facts, you risk making a decision that can cost you – both now and into the future.

Detailed Analysis

SDS reviews your entire debt situation, financial status and current goals to provide the best scenario for the lifetime of your loans. Don’t risk making decisions on incomplete information.

Simple Process

We ask questions, you answer! SDS evaluates 1000+ data points in a short Q&A format. As an expert in this field for 12+ years, we understand the law and the best way to navigate it.

Clear Recommendations

Move forward with the confidence you’re on the right track with a personalized, easy-to-understand action plan. A checklist provides straightforward next steps on how to begin your journey.

Get the Complete Picture

Review of both your Government and Private Loans

SDS is the only platform to provide an analysis of your entire student loan debt. When recommending the right plan, we evaluate both government (public) and private loans so that you can address your total student loan debt. We also go further and look at your:

  • Loans in default and/or facing garnishment or collections
  • Parent Plus loans, which are overlooked by most platforms
  • Monthly payment today and total loan debt in the future

If you don’t take a look at all the details, you may face a costly error down the road. Don’t worry, we can help! No payment to get started.

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How Student Debt Solutions Works

  • 1
    Create an Account

    Give some basic information and confirm your account via email.

  • 2
    Enter Your Financial Details and Goals

    Share your income, tax filing status and family size. Tell us your debt repayment goals.

  • 3
    Share Your Student Loan Data

    Upload your NSLDS file from your FSA account and enter your private loans manually.

  • 4
    Complete the Questionnaire

    Answer questions based on your specific situation. 1000+ data points are analyzed against 1200 rules in a matter of minutes.

  • 5
    Select Your Plan

    We analyze every possible loan restructure scenario to find the right solution to meet your financial goals

  • 6
    Take Action

    Navigate to the dashboard to implement your solutions, keep track of your progress and talk or chat with a student loan expert.

We’re Here to Help You Navigate this Complex Landscape

There are more than nine different options available for repayment, forgiveness, consolidation or cancellation. And if you don’t look at the whole picture, you might unknowingly disqualify yourself for the best program. Our team has been in the industry for more than a decade and developed SDS to understand your unique situation by asking you tailored questions to process more than 1000+ data points in a matter of 5-10 minutes!


solutions provided


years in the industry


average debt reduced


total amount forgiven

Helping Our Customers Succeed

"I tried finding help for my loans on my own. After countless hours researching and talking on the phone with people who couldn’t give me answers, I reached out to Student Debt Solutions. Wow! What a difference! I went from frustration to joy."

  • Teacher Loan Forgiveness
  • Consolidation to qualify for Public Service Loan Forgiveness (PSLF)
  • Income Driven Repayment Plan to lower payment
M.D. Orlando, FL

"Working with Student Debt Solutions was like a breath of fresh air. We were able to find a plan that canceled my student loan debt. Before this, I didn’t know this was an option. I can’t say thank you enough!"

  • Total and Permanent Disability Discharge resulting in over $50,000 cancelled
B.D. Baton Rouge, LA

"After losing my job and having to relocate, I didn’t think there was any way I could repay the $70,000 I owed in student loan debt. After enrolling, I followed the action plan that allowed me to make very small payments while I work to get back on my feet."

  • Income Repayment Plan, lowered monthly payment $700 to $0
  • Utilized Calculator to understand annual payments until forgiveness
J.K. Winter Park, FL

"I was in default and couldn’t afford what the collection agency was forcing me to pay. Student Debt Solutions helped me understand the programs available to me. They also helped me build a plan for when I was out of default that fit my budget and financial needs."

  • Rehabilitation Program to get out of default
  • Income Driven Repayment (IDR)
  • Utilized payment estimator tool to understand IDR and forgiveness of debt
K.D. Baton Rouge, LA

Frequently Asked Questions

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 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.

Make Your Next Step the Right Step

Let SDS help you take a comprehensive look at your student loan and financial situation and finally tackle your student loan debt for merely a fraction of what you owe. We helped 1000’s of former students uncover options that they didn’t know existed. Get a clear picture! Don’t risk disqualifying yourself for the best program with the wrong step.

I'm Ready

No payment to get started!