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.

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Success Stories

Explore real stories of how EDCAP has helped New Yorkers tackle their student loans and attend college with less debt.

Watch EDCAP’s videos on YouTube.

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These clients have shared their story with us to share with you.

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Watch EDCAP’s videos on YouTube
Watch EDCAP’s videos on YouTube

Forgiveness Success Stories

These clients have all received a form of student loan forgiveness through programs meant to ease the burden of repayment, and ensure a path to a healthier financial future.

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“With EDCAP’s assistance, I was able to get all of my student debt forgiven.” — Gerard W.

“Thanks to EDCAP, I am debt free.” — Evelyn M.

“I wouldn’t have been able to navigate the complex federal student loan system without EDCAP.” — Peter A.

“I had given up, but an EDCAP counselor reached out and we made it happen.” — Zaida M.

“I got $200,000 in Public Service Loan Forgiveness with the help of EDCAP.” — Flor R.

“I am finally debt free and have a new lease on life.” — Catherine B.

“This debt relief has expanded my options and enhanced my life.” — Sandra M.

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

Strategic Repayment Success Stories

These clients consulted with EDCAP to create a plan for repayment without undue burden, enroll in more affordable repayment plans, and embark on that journey with the knowledge to tackle their student loans.

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

“I left my appointment with everything all set up!” — Bailey B.

“I have a strategy to repay my loans.” — Erika O.

Paying For School Success Stories

These clients made a plan with EDCAP to make a plan to go to college with less debt, whether it be for themselves or for their children. They left their sessions with the knowledge to make informed decisions about their college finances.

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“My EDCAP counselor eliminated my debt anxieties, offering the best guidance and hope for student loan repayment.” — David L.

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“EDCAP helped me make a plan to send my kid to school.” — Maria M.

“I know I can manage my student debt.” — Evelin G.

Discharge Success Stories

These clients have had their loans discharged through different means such as Total and Permanent Disability Discharge, Borrower Defense to Repayment, and Closed School Discharge. 

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“I settled my student loan debt.” — Kathleen T.

“The EDCAP program is excellent.” — Donald G.

“I am student debt free.” — Edward D..

Getting Out Of Default Success Stories

These clients came to EDCAP with their student loans in default, and left with a renewed sense of hope for future student loan forgiveness.

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“EDCAP has in many ways impacted my life.” – Lisa C.

“EDCAP has given me so much peace of mind.” — Lisa R.

“I believe that education is a right, not a privilege. I have EDCAP to thank for keeping this belief alive.” — Johanna F.

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