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.

“The EDCAP program has been an invaluable resource.” – Richard C.

“I’ve worked for NYC since 2008, making student loan payments while struggling to get my PSLF paperwork processed. Since I worked for five different city agencies, I was told I’d need multiple certification forms. EDCAP found a single contact to verify all my employment, and within seven days, the U.S. Department of Education confirmed I met PSLF requirements. Now, I’m awaiting final discharge and a refund, finally freeing up funds to support my children.”