Student Debt Solutions

  • What's SDS?
  • How SDS Works
  • Prepare Your Client

What's SDS?

View the webinar provided to Innovative Mortgage Services, Inc. to address the student loan debt problem, what SDS is, and the solution using Student Debt Solutions that can help clients obtain a mortgage!

Empowering MLOs: Address Student Debt Payments to Help Clients Obtain a Mortgage

Downloadable PDF PowerPoint

Click on picture below.

How SDS Works

MLO's,

  1. 1st, view the video below to see how the steps your client will take to find out about all eligible repayment plans and know what their potential payments can be on the SDS platform.
  2. Make sure to prepare your clients with the information they will need to enter the SDS platform further below. 



Student Debt Solutions Platform Demonstration with Melissa Maguire, Student Loan Consultant. See information that client inputs... that results in client seeing all eligible plans for FREE! The client is only charged if they would like to proceed with a plan. The demonstration shows how a plan can be selected, paperwork is completed on SDS website, downloaded, signed and sent!

Have your client go to Student Debt Solutions here, create an account and get started!

  • Prepare Your Clients!

Information Clients Need to Have Available to Use SDS

  • For federal loans, NSLDS file username and password.
  • Have your FSA ID ready.
  •  For private loans, most recent statement.
  • Family size, income and tax filing status.
  • What is your goal? Lower monthly payments or lower overall repayment amount?
  • Are payments current, late or in default?

Have your FSA ID ready



  • If you don't remember your FSA ID, go to https://studentaid.gov/fsa-id/sign-in/retrieve-username.
  • Directions to enter a secure code from authenticator app, text a secure code to mobile phone, email a secure code, answer challenge questions or recover account with a photo ID will be provided.
  • Click here for to download directions for NSLDS file.
  • View How to get your Student Loan File from Studentaid.gov.

Loan Originators can have clients go to Student Debt Solutions here, create an account, answer questions and see all eligible student loan repayment plans within 20 minutes.

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