A federal court has blocked the Education Dept. from implementing the SAVE Plan and certain IDR plans. Consequently, IDR and online loan consolidation applications are temporarily unavailable, and IDR plan processing is suspended. However, paper loan consolidation applications can still be submitted—seek expert guidance beforehand. If you need to certify your IDR plan now, contact your loan servicer for guidance. If you experience issues with your servicer, file a complaint. 

Resources for Borrowers

Paying off student loans can be overwhelming, and many people think they must pay them off completely. However, depending on your income, career, and financial goals, it may best to either pay the loans off quickly or pursue a forgiveness program. These resources will help you develop a strategy, choose the right plan, and address many challenges you might be facing.

Empowering Smart Decisions

Our resource center helps you navigate student loan complexities and find strategies tailored to your needs. We recommend starting with our self-guided Determine Your Student Loan Repayment Strategy Tool to support your initial decision-making. Whether entering repayment for the first time, managing payments or pursuing forgiveness, we’re here to help you find the best path forward.

If you live in New York State and want personalized student loan guidance, contact EDCAP. We offer free and unbiased, one-on-one counseling.

Featured Content

All Resources and Tools for Borrowers

Student Loan Basics and Repayment

Forgiveness and Discharge Programs

Problems with Repayment

Calculators and Tools

Trending Topics

News & Blog Articles

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EDCAP offers free, unbiased, and honest student loan counseling for New Yorkers. Call our Helpline to speak with a counselor, book a virtual one on one session, or meet in person.

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