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.

“Reaching out to EDCAP changed everything.” – Dario A.

“I was overwhelmed by my student loan debt, struggling with payments I couldn’t afford, including a Parent PLUS loan I’d taken for my son. Reaching out to EDCAP changed everything. My counselor guided me through a complicated consolidation process. Within three months, all of my debt was forgiven. I am beyond grateful for EDCAP’s expertise, which made this possible.”