The Dept. of Education has reinstated the online application for Income Driven Repayment plans and loan consolidation. Borrowers on the SAVE plan remain on an interest-free forbearance until further notice or unless they apply for another IDR plan. To learn more and get guidance on recertification deadlines, click here.

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If you live in New York State and need guidance on managing student debt, paying for school, or completing the FAFSA, we’re here to help. Our services are free, confidential, and unbiased!

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Education Debt Helpline

Call our Education Debt Helpline at (888) 614-5004. We have dedicated staff Monday to Friday, 9 am to 4 pm.

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Virtual Counseling Session

Meet with a counselor to discuss repayment strategies, debt relief, issues with lenders or loan servicers, consolidation, deferment, forbearance, and more.

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Email us at edcap@cssny.org or complete the form to send us your questions.

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Enter a New York town, county, or zip code in the form below to see a list of in-person agencies near you. If you cannot access the tool below, please call EDCAP.

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