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. EDCAP’s services are available only to New York State residents. Our helpline will be closed on Jan. 19, 2026.

Resources for External Organizations

Featured Resources for External Organizations

client walking in NYC

“I have a strategy to repay my loans.”

—Erika O.

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