Reaching EOF with fgets

I’m writing a function that perform some authentications actions. I have a file with all the user_id:password:flag couples structured like this:

Users.txt

user_123:a1b2:0 user_124:a2b1:1 user_125:a2b2:2

This is the code:

int main(){
    /*...*/

    /*user_id, password retrieving*/
    USRPSW* p = malloc(sizeof(USRPSW));
    if(p == NULL){
        fprintf(stderr, "Dynamic alloc error\n");
        exit(EXIT_FAILURE);
    }
    memset((void*)p, 0, sizeof(USRPSW));

    if(usr_psw_read(acc_sock_ds, p->user_id, USR_SIZE) <= 0){
        printf("Failed read: connection with %s aborted.\n",
                 inet_ntoa(client_addr.sin_addr));
        close(acc_sock_ds);
        continue;
    }

    if(usr_psw_read(acc_sock_ds, p->password, PSW_SIZE) <= 0){
        printf("Failed read: connection with %s aborted.\n",
                 inet_ntoa(client_addr.sin_addr));
        close(acc_sock_ds);
        continue;
    }

    /*Authentication through user_id, password*/
    FILE *fd;
    fd = fopen(USERSFILE, "r");
    if(fd == NULL){
        fprintf(stderr, "Users file opening error\n");
        exit(EXIT_FAILURE);
    }

    char *usr_psw_line = malloc(USR_SIZE+PSW_SIZE+3+1);
    if(usr_psw_line == NULL){
        fprintf(stderr, "Dynamic alloc error\n");
        exit(EXIT_FAILURE);
    }

    while(1){

        memset((void*)usr_psw_line, 0, sizeof(USR_SIZE+PSW_SIZE+3+1));
        fgets(usr_psw_line, USR_SIZE+PSW_SIZE+3+1, fd);
        printf("%s\n", usr_psw_line);
        fseek(fd, 1, SEEK_CUR);


        /*EOF management*/
        /*usr_id - password matching checking */

    }   
/*...*/    
}

How can I manage the EOF reaching? I saw that when EOF is reached fgets doesn’t edits anymore the usr_psw_line but neither returns a NULL pointer. If EOF is reached it mean that no match are found in the users file and the loop breaks.

Can someone give me some tips or suggests?