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Settled analyzes records you already have a right to. Pull them free from the official sources below, then sign in and upload — we decode the rest.
StudentAid.gov
Your official federal loan record from the Department of Education — balances, servicers, disbursements, and payment counts.
- 1Sign in with your FSA ID
- 2Open "My Aid" → "View Details"
- 3Download / export your aid summary
MOHELA & other servicers
Your servicer's statements show payment history, interest, and capitalization the federal summary leaves out. Nelnet, Aidvantage, and EdFinancial work the same way.
- 1Log in to your servicer account
- 2Go to Statements / Documents
- 3Download recent statements & payment history
AnnualCreditReport.com
The only federally authorized source for your free credit reports from all three bureaus — Equifax, Experian, and TransUnion.
- 1Verify your identity
- 2Select all three bureaus
- 3Download each report as a PDF
ChexSystems & business bureaus
Banking history (ChexSystems) and business credit (Dun & Bradstreet, Experian Business) — pull these too if you're reviewing those records.
- 1Request your free ChexSystems consumer report
- 2Pull business credit reports if applicable
Got your reports?
Sign in and upload them. Settled parses every line, cross-references the sources, and shows you exactly where the numbers disagree.
Sign in to uploadSettled is an analytical platform. It links to official report sources for your convenience and is not affiliated with them. It does not provide credit repair, dispute services, or legal advice.