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Student Loan Help
IMPORTANT: The SAVE Plan is no longer available. Starting July 1, 2026, borrowers currently enrolled in the SAVE Plan will begin to receive notifications from their student loan servicer and will be given 90 days to determine which plan is most affordable for them and switch to a different repayment plan. Borrowers who do not enroll within this 90-day window will be automatically placed into the Standard Plan or the new Tiered Standard Repayment Plan, which generally have higher payments than income-driven repayment (IDR) plans. Learn more about Key Changes in Federal Student Loan Repayment.
Student Debt Relief That’s Not a Scam
The City of New York offers free, confidential, personalized guidance to lower student loan payments.
No strings attached. No surprise charges later. We keep your information safe and will never sell it.
In Person or By Phone
Through our NYC Financial Empowerment Centers, you can work with a financial counselor to manage your student loans along with your other expenses and debts.
To be eligible, you must be at least 18 and live or work in NYC. Income and immigration status do not matter.
Click the button below or call 311 to book your Financial Empowerment Center appointment.
Beware of Student Loan Scams
You NEVER have to pay for free federal and state programs, including loan forgiveness. If you are a victim of a scam, file a complaint online.
Not ready for a one-on-one financial counseling session?
Get important student loan information for:
