Please be advised that the SAVE plan is temporarily blocked by a court order and the only way to enroll in any income driven repayment plan is through a paper application at this time. Those on the SAVE plan have been placed on a temporary non-interest bearing forbearance. Learn more.

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Final Call for Two Student Debt Relief Programs

The repayment grace period (on-ramp) and Fresh Start for defaulted loans both leave the station on September 30, 2024!

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Get out of Default with Fresh Start

Use Fresh Start to get out of default more easily than traditional methods before it goes away forever on September 30, 2024!

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

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Final Call for Two Student Debt Relief Programs

Using Fresh Start to Get out of Default

Determine Your Student Loan Repayment Strategy Tool

Understanding Student Loans: Strategies & Repayment Plans

Student Loan Forgiveness Options

Managing Parent Plus Loans

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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

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“I am student debt free.”

– Edward

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