SAVE Forbearance is ending—affected borrowers must switch plans soon. Explore alternatives now. Tax refund offsets and other collections resume on defaulted loans. Check your status and act by January to escape default and protect your next refund. Learn how.

Resources for Borrowers

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.

Empowering Smart Decisions

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.

Featured Content

All Resources and Tools for Borrowers

Student Loan Basics and Repayment

Forgiveness and Discharge Programs

Problems with Repayment

Calculators and Tools

Trending Topics

News & Blog Articles

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Get More Help

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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