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.

“My EDCAP counselor eliminated my debt anxieties, offering the best guidance and hope for student loan repayment.” — David L.

“As a married father with $100,000 in debt, I sought help from EDCAP to manage my financial stress while returning to school and working.

EDCAP’s strategy allowed me to earn credit towards forgiveness, enroll in an affordable repayment plan, and get on a faster path to eliminate my student debt.”