A federal court has blocked the Education Dept. from implementing the SAVE Plan and certain IDR plans. Consequently, IDR and online loan consolidation applications are temporarily unavailable, and IDR plan processing is suspended. However, paper loan consolidation applications can still be submitted—seek expert guidance beforehand. If you need to certify your IDR plan now, contact your loan servicer for guidance. If you experience issues with your servicer, file a complaint

“I had given up, but an EDCAP counselor reached out and we made it happen.” — Zaida M.

“I had over $32,000 in Direct Parent Plus loans. I’ve worked for CUNY since the 80s. I had Direct loans and was initially rejected for PSLF under the Waiver.

With some help, I resubmitted the proper paperwork and received forgiveness under the IDR Account Adjustment.”