EDCAP services
IDR Account Adjustment
3.9 million people had their student loans forgiven. Click here to see how you could be next!
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EDCAP services
Student Loan Assistance
Click here to learn how EDCAP can help you. Our services are free, confidential, and unbiased.
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EDCAP services
The Hero's Guide to Strategic Student Loan Repayment
Click here to see if you're prepared for repayment with our new checklist!
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Student Loan Tips
Know your loan! It’s important to get organized. Start by listing the details of your loans, from the amount you borrowed to your interest rates.
Student Loan Tips
Track your payment progress! If you are counting on the Public Service Loan Forgiveness Program to eliminate your debt, make sure you submit a PSLF/TEPSLF Certification & Application Form each year to track your payments.
Student Loan Tips
Get into an Income Driven Repayment plan if you are struggling to pay your loans. This means your payment can be as low as $0 if you are not working.
Student Loan Tips
Be aware! If you change student loan servicer, check your records to make sure your account information, including balance, is accurately transferred.
Student Loan Tips
Caution! While you may be able to delay repaying your loans through a deferment or forbearance, your interest will likely capitalize and increase your total debt.
Student Loan Tips
Know before you call! Learn about your repayment options before calling your servicer to make a more informed decision.
Student Loan Tips
Set a repayment goal! Depending on the amount you owe, you may be able to pay off your loans faster than you think.
Student Loan Tips
What’s your repayment plan? It is important to know how long it will take you to eliminate your debt based on your repayment plan.
Student Loan Tips
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Did You Know?
You are not alone! In New York, there are nearly 2.4 million individuals with outstanding student loans—that’s a cumulative debt of more than $90 billion.
Did You Know?
45% of young adults (18-35 years old) have student loan debt in New York State.
Did You Know?
Get help on time! Every 28 seconds, another student loan borrower goes into default
Did You Know?
The number of older student loan borrowers (60+ years) has quadrupled since 2005.
Did You Know?
Be on track for PSLF eligibility! The Public Service Loan Forgiveness program has a 98% rejection rate.
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Our Impact
"I know I can manage my student debt."— Evelin G.
Read this and other stories from New Yorkers we've helped.
Our Impact
"I am student debt free."— Edward D.
Read this and other stories from New Yorkers we've helped.
Our Impact
"I have a strategy to repay my loans"— Erika M.
Read this and other stories from New Yorkers we've helped.
Our Impact
"I settled my student loan debt"— Kathleen T.
Read this and other stories from New Yorkers we've helped.
