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.

“We are both so grateful for our EDCAP counselor’s help.” — Nicole Z.

“As a married couple with debt from two graduate degrees, the process was daunting and nuanced.

With the help of my EDCAP counselor, my husband and I have been able to make our loans more manageable through consolidation and setup a payment plan that was realistic for us.”