SAVE Forbearance is ending—affected borrowers must switch plans soon. Explore alternatives now. EDCAP’s services are available only to New York State residents.

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Married with Student Loans?

You could save money on your tax filing this year!

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What’s Changing With Student Loans — And When

Major updates to repayment plans, forbearance rules, and forgiveness programs take effect now through 2028.

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Student Aid Is Changing in 2026 — What You Need To Know

New Borrowing Rules and Limits Take Effect July 1, 2026

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Tackle your student loans or get a degree with less debt.

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Determine Your Student Loan Repayment Strategy Tool

Find the best strategy for your situation.

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Attend a Webinar

Get the latest student loan guidance to help you save money. Plus, chat with experts in real-time as you watch.

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EDCAP counselors

Talk to a live expert.

EDCAP offers free, unbiased, and honest student loan counseling for New Yorkers.

Featured Resources for Borrowers

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Featured Content

What’s Changing With Student Loans — And When

Do You Know the Status of Your Student Loans? Delinquencies & Defaults are on the Rise

Income Driven Repayment Plan Calculator

Determine Your Student Loan Repayment Strategy Tool

Understanding Student Loans: Strategies & Repayment Plans

Student Loan Forgiveness Options

Managing Parent Plus Loans

Public Service Loan Forgiveness

Featured Resources for Future Students

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Featured Content

2026-27 Student Aid Guide

Student Aid Is Changing in 2026 — What You Need To Know

Ways to Pay for Higher Education

Getting Financial Aid & FAFSA 101

Evaluating Financial Aid Award Letters

Navigating Student Loans for Parent

Co-Borrowers Rights and Responsibilities

News & Blog

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EDCAP Newsletter

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“I am student debt free.”

– Edward

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