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.

“After 25 years of student loan payments, I am finally debt free.” — Cara B.

“As a geriatric social worker with sporadic employment, I didn’t have much credit towards PSLF despite paying my loans for a long time. EDCAP helped me consolidate my FFELP loans to Direct loans, making me eligible for IDR Forgiveness through the IDR Account Adjustment.

My loans were forgiven in August 2023!”