MyStudentData Decoder

Federal Student Loan Portfolio Analysis

NSLDS file decoding, statutory interest, and IDR cohort evaluation

Analysis Scope

Loan Inventory·Statutory Interest·Accrued Drag·IDR & PSLF Credit·Repayment Plan

Analysis Date

November 4, 2026

Source File Date

—

About This Analysis

This report decodes the loan inventory contained in the borrower’s NSLDS data file and evaluates statutory interest accrual, accrued balance composition, and repayment plan status. Figures are derived from the file as provided and are intended to support analysis and discussion, not to serve as an official servicer statement.

MyStudentData Decoder|docResource

Educational and illustrative purposes only. Verify all figures against your official servicer records.

MyStudentData Decoder

Drop in your official StudentAid.gov MyStudentData.txt export and get an instant, 100% client-side breakdown of your federal loan portfolio — statutory rates, accrued interest drag, and IDR cohort.

2026 STATUTORY LIMITS ACTIVE

Ingest StudentAid.gov Data File

MyStudentData.txt

Instant client-side NSLDS parser. Evaluates statutory interest rates, accrued drag, and IDR cohort.

Drop your MyStudentData.txt here, or browse files

Supports official StudentAid.gov raw exports (.txt). Files are processed 100% locally in browser memory.

Active Ingestion StatusWaiting for file

Source:No file yet

Loans With a Balance:—

Earliest Loan Disbursed:N/A

NSLDS format

Total Outstanding Debt

$0.00

Principal:$0.00·Interest:$0.00

Weighted Interest Rate

0.000%Actual Avg

Across 0 active federal loans

Monthly Interest Drag

$0.00/mo

$0.00/yr unsubsidized accumulation

IDR & PSLF Credit

0moIDR

0moPSLF

14-26

New IBR 10% / 20-Yr Cap Eligible

For more info on your borrower type, click here

Current Repayment Plan

Standard / IDR Evaluation

Most common plan across 0 active loans

Current Monthly Payment

N/A

Combined scheduled payment, all active loans

Months Since Repayment Entered

N/A

No repayment or disbursement date found

Graduation Date

Auto-detected from your file, correct it if it's wrong

6-mo grace periodImport often misses the graduation-to-repayment gap — subtracts 6mo

SAVE defermentDidn’t count toward IDR — subtracts 25mo

Earliest Disb Date

N/A

First disbursement across 0 loans on file

IDR Recertification Date

N/A

No IDR plan anniversary date on file

Portfolio Composition Breakdown · Proportional Balance Strip

Principal: 0.0% ($0.00)Accrued Interest: 0.0% ($0.00)

Federal loans accrue simple daily interest (rate ÷ 365.25 per day on principal).

Itemized Loan Schedule

Excel-aligned statutory ledger (0 total loans extracted)

Loan Program & Servicer	Disbursed	Rate	Principal	Accrued Int	Total Balance	Status
No loans matched your current filter criteria.
Visible Subtotals (0 items)	Weighted	0.000%	$0.00	$0.00	$0.00

Everything above runs locally in your browser. No file contents, balances, or borrower details are ever uploaded or transmitted to a server.

Notes & Disclosures

This report is generated entirely in your browser by parsing the loan data file you provided. Figures are not independently verified against your loan servicer.
Automated parsing does not always classify every field perfectly. In particular, the IDR & PSLF qualifying-month count and the auto-detected graduation date are estimates pulled from the file — review them and correct in the tool if they don’t match your records.
Accrued interest is estimated as simple daily interest (rate ÷ 365.25 per day on principal) and may differ slightly from your servicer’s own calculation.
Loans with a $0 balance are parsed successfully but excluded from the totals above (paid off, consolidated, or discharged).
This analysis is intended to support your own review and discussion with a financial advisor or your loan servicer — it is not an official servicer statement.