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.

“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!”