Warning: Consolidation processing may miss the June 30 deadline; Parent PLUS borrowers and those exiting default should proceed cautiously. After June 30, new loans/consolidations are limited to the new tiered standard plan and RAP (extended 30-year forgiveness timeline). Learn more.

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Paying off student loans can feel overwhelming, but you don’t always have to cover the full balance. Depending on your income, career, and goals, it may make sense to pay them off quickly or pursue a forgiveness program. These resources will help you choose the right plan and overcome common challenges.

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EDCAP’s resource center helps you navigate student loan complexities and find strategies tailored to your needs. We recommend starting with our self-guided Determine Your Student Loan Repayment Strategy Tool to support your initial decision-making. Whether entering repayment for the first time, managing payments or pursuing forgiveness, we’re here to help you find the best path forward.

If you live in New York State and want personalized student loan guidance, contact us. EDCAP offers free and unbiased, one-on-one counseling.

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EDCAP offers free, unbiased, and honest student loan counseling for New Yorkers. Call our Helpline to speak with a counselor, book a virtual one on one session, or meet in person.

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