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. EDCAP’s services are available only to New York State residents. Our helpline will be closed on Jan. 19, 2026.

Home » Stories » “I believe that education is a right, not a privilege. I have EDCAP to thank for keeping this belief alive.” — Johanna F.

Success Story

“I believe that education is a right, not a privilege. I have EDCAP to thank for keeping this belief alive.” — Johanna F.

“My student loans were in default, and my loan servicer called my employer about my default status. I was mortified. With help, I got out of default, consolidated my loans, and applied for forgiveness.

Two months later, my $319,000 student loans were forgiven.”