SAVE Forbearance is ending—affected borrowers must switch plans soon. Explore alternatives now. EDCAP’s services are available only to New York State residents. The helpline is closed today, Feb. 16, in observance of Presidents’ Day.

“EDCAP has in many ways impacted my life.” – Lisa C.

“I had student loans from the ’80s that felt like an endless burden. But everything changed when I connected with EDCAP.

My counselor guided me through the process, helping to get my loans out of default, and they were able to reduce my payments from nearly $500 to just 46 cents. It was truly life-changing.”