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

Home

Featured Content

Parent Plus Loans? Don’t Get Locked Out of Student Loan Relief

Parent PLUS Loan borrowers should take action before April 1, 2026 to maintain access to Income-Driven Repayment plans & forgiveness programs.

Learn more

Married with Student Loans?

You could save money on your tax filing this year!

Learn more

What’s Changing With Student Loans — And When

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

Learn more

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

New Borrowing Rules and Limits Take Effect July 1, 2026

Learn more

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

What’s your situation?

Determine Your Student Loan Repayment Strategy Tool

Find the best strategy for your situation.

Explore the Tool

Attend a Webinar

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

Learn more.
EDCAP counselors

Talk to a live expert.

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

Featured Resources for Borrowers

View all

Featured Content

Repayment and Tax Filing Guide for Married Borrowers with Student Loans

Parent Plus Loans? Act now. Don’t Get Locked Out of Student Loan Relief

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

View all

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

View all News posts.

EDCAP Newsletter

Follow edcap.ny on Instagram

edcap.ny on Instagram

“I am student debt free.”

– Edward

Read the Story