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

“After 25 years of student loan payments, I am finally debt free.” — Cara B.

“As a geriatric social worker with sporadic employment, I didn’t have much credit towards PSLF despite paying my loans for a long time. EDCAP helped me consolidate my FFELP loans to Direct loans, making me eligible for IDR Forgiveness through the IDR Account Adjustment.

My loans were forgiven in August 2023!”