SAVE Forbearance is ending—affected borrowers must switch plans soon. Explore alternatives now. Tax refund offsets and other collections resume on defaulted loans. Check your status and act by January to escape default and protect your next refund. Learn how.

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Unsure of Your Student Loan Status or Facing Default?

Student loan default can cost you your tax refund—but you still have time to stop collections. Take action by January.
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What’s Changing With Student Loans — And When

Major updates to repayment plans, forbearance rules, and forgiveness programs take effect now through 2028.

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Student Aid Is Changing in 2026 — What You Need To Know

New Borrowing Rules and Limits Take Effect July 1, 2026

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Tackle your student loans or get a degree with less debt.

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Determine Your Student Loan Repayment Strategy Tool

Find the best strategy for your situation.

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Attend a Webinar

Get the latest student loan guidance to help you save money. Plus, chat with experts in real-time as you watch.

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EDCAP offers free, unbiased, and honest student loan counseling for New Yorkers.

Featured Resources for Borrowers

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Featured Content

What’s Changing With Student Loans — And When

Do You Know the Status of Your Student Loans? Delinquencies & Defaults are on the Rise

Income Driven Repayment Plan Calculator

Determine Your Student Loan Repayment Strategy Tool

Understanding Student Loans: Strategies & Repayment Plans

Student Loan Forgiveness Options

Managing Parent Plus Loans

Public Service Loan Forgiveness

Featured Resources for Future Students

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Featured Content

2026-27 Student Aid Guide

Student Aid Is Changing in 2026 — What You Need To Know

Ways to Pay for Higher Education

Getting Financial Aid & FAFSA 101

Evaluating Financial Aid Award Letters

Navigating Student Loans for Parent

Co-Borrowers Rights and Responsibilities

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“I am student debt free.”

– Edward

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