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.

Contact Us

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

Our Services

Meet with a counselor to discuss repayment strategies, debt relief, default, issues with loan servicers, consolidation, student aid, FAFSA, pre-college borrowing and more.

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

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

Find a Location

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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