SAVE Forbearance is ending—affected borrowers must switch plans soon. Explore alternatives now. EDCAP’s services are available only to New York State residents.

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Resources for Future Students
- 2026-27 Student Aid Guide
- Co-Borrowers Rights and Responsibilities
- College Cost Comparison Tool
- EDCAP’s Scholarship Guide
- Getting Financial Aid & FAFSA 101
- Guía FAFSA 2025-2026
- Picking a College that Meets Your Financial & Career Goals
- Projected College Borrowing & Repayment Planner
- Student Loan Repayment Checklist
- Understanding & Comparing Financial Aid Award Letters
- Ways to Pay for Higher Education
  - Differences Between Federal and Private Loans
Resources for Borrowers
- Determine Your Student Loan Repayment Strategy Tool
  - Choose a repayment plan you are comfortable with
  - Consider Loan Forgiveness Programs
    - Other Options
- Disability Discharge
- End of the Repayment Grace Period (On-Ramp)
  - Using Fresh Start to Get Out of Default
- Entering Repayment for the First Time
- Facing Student Loan Default? Your Next Tax Refund—and More—Could Be Taken
- File a Complaint
- How to Benefit from the IDR Account Adjustment
- How to Enroll in Auto Debit
- Income Driven Repayment Forgiveness
- Managing Private Student Loans
- Parent Plus Loans? Don’t Get Locked Out of Student Loan Relief
- Postpone Student Loan Repayment
- Prevent or Get Out of Default
- Public Service Loan Forgiveness
- Repayment Plan Calculator
- SAVE & IDR Plan Payment Calculator
- Stop Garnishments and Offsets
- Student Loan Forgiveness Options
- Student Loan Payoff Calculator
- Til Student Debt Do Us Part
- Transitioning From the SAVE Repayment Plan
- Understanding Student Loans: Strategies & Repayment Plans
- Your Guide to Consolidation & the IDR Account Adjustment
Resources for External Organizations
- National Student Debt Counselors Network Interest Form
  - National Student Debt Counselors Network Interest Form Completion
Resources for Parents
- Managing Parent Plus Loans
- Navigating Student Loans for Parents
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