If You Have Federal Student Loans: Take Action Now to Protect Your Income and Your Rights!

If you have any Parent PLUS loans, you must make sure that they are consolidated into a Direct Consolidation Loan before July 1, 2026. Otherwise, you will lose your right to income-driven repayment and payments as low as $0 per month.
If you have any existing student loans, you could lose your rights to certain kinds of income-driven repayment and payments as low as $0 if you take out any new loans after July 1, 2026.
The SAVE plan is ending. If you have federal student loans that are enrolled in the SAVE plan, you should consider applying for a different income-driven repayment plan to keep your student loan payments as manageable as possible.
If you are in default, the government could soon start to take money out of your paycheck or take your tax refund. Take steps now to get out of default.

You have Parent PLUS loans, meaning that you could lose access to payments as low as $0 if you do not consolidate by July 1, 2026.
Your loans are in default, which could have severe consequences, including money getting taken out of your paycheck, social security, and tax refund.
You are disabled and may qualify for loan cancellation on that basis.
You attended a predatory school that made promises to you that they did not keep about the cost of your education, the quality of the school, or what kinds of jobs you would be able to get upon graduation, which could be the basis for loan cancelation.
You have been sued for unpaid student loans or tuition debt.
You are low-income and having trouble making student loan payments and need help enrolling in income-based repayment.

Student Loan Borrower Assistance: This the National Consumer Law Center’s website for student loan borrowers.
Education Debt Consumer Assistance Program (EDCAP): This is EDCAP’s website for information for student loan borrowers. EDCAP is a New York state program, but because federal student loans are the same across state lines, we recommend their website as a resource to borrowers in Philadelphia as well.
Federal Student Aid: This is the U.S. Department of Education’s website for student loan borrowers. You can log into your account on this website to see the status of your federal student loans, as well as to see information about managing and repaying your federal student loans. You can also call the Federal Student Aid Information Center at 1-800-433-3243.
Federal Student Aid Ombudsman: You can contact the Federal Student Aid Ombudsman, a neutral resource, if you disagree with the U.S. Department of Education’s management of your federal student loans. You can call the Office of the Ombudsman at 1-800-433-3243.