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.

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.

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All Resources and Tools for Borrowers

Student Loan Basics and Repayment

Forgiveness and Discharge Programs

Problems with Repayment

Calculators and Tools

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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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