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 for college is a major financial decision that requires careful planning. With rising costs and various funding options, it’s crucial to understand the risks and benefits. Without proper guidance, student loans can lead to overwhelming debt, affecting both students and their families.

Empowering Smart Decisions

EDCAP’s resources will guide you in funding college wisely. Whether you’re a student or a parent, learn to navigate scholarships, financial aid, and loans. If you need more personalized guidance, contact us to schedule a FAFSA or pre-college counseling appointment. Our expert counselors can help you apply for FAFSA, evaluate and compare financial aid offers, and make a comprehensive plan to go to school with less debt.  

Time Sensitive Tip: The FAFSA application for the 2026-27 academic year is now available. Submitting early maximizes your chances of receiving aid, as some funds are distributed on a first-come, first-served basis.

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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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