Please note that EDCAP’s counseling services are only for New York State residents. 

Borrower Insights & Counseling Support

• Borrower Perspectives on Student Loan Repayment: Barriers and Solutions
  • A concise fact sheet summarizing key research on borrower repayment behaviors, the challenges they face, and the messaging strategies that make counseling and outreach more effective.
• EDCAP Counseling Services
  • A flyer outlining the full range of free counseling services EDCAP provides—including repayment guidance, default assistance, and scam avoidance—along with clear contact information for support.

Preventing/Managing Delinquency & Default

• Tax Refund Intercepts for Defaulted Loans – English 
• Tax Refund Intercepts for Defaulted Loans – Spanish
  • A flyer alerting borrowers to check their federal student loan status before filing taxes to avoid refund interception. Includes steps to determine loan status and guidance on how to exit default.
• Delinquency & Default Awareness 
  • A flyer encouraging borrowers to check their loan status, understand the consequences of missed payments, and learn the practical steps they can take to prevent or resolve default.

Repayment Guidance

• Repayment Guidance for Students Leaving College
  • A flyer offering essential information for students preparing to enter repayment, including timelines, key decisions, and how EDCAP can help them navigate the transition successfully.

Pre‑College Borrowing & Financial Aid Planning

• Pre‑College Borrowing and FAFSA Support – English & Spanish
  • A flyer highlighting EDCAP’s free support for students and families navigating the FAFSA, comparing financial aid offers, and planning for college with minimal debt. Designed to help borrowers make informed decisions before taking on student loans.