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.

“The EDCAP program has been an invaluable resource.” – Richard C.

“I’ve worked for NYC since 2008, making student loan payments while struggling to get my PSLF paperwork processed. Since I worked for five different city agencies, I was told I’d need multiple certification forms. EDCAP found a single contact to verify all my employment, and within seven days, the U.S. Department of Education confirmed I met PSLF requirements. Now, I’m awaiting final discharge and a refund, finally freeing up funds to support my children.”