Student Loan Consolidation Deadline Extension

The Department of Education has extended the deadline until April 30th, 2024 for consolidating non-direct (e.g. FFEL, Perkins, or HEAL) loans to benefit from the income-driven repayment (IDR) Account Adjustment. Further, Parent PLUS borrowers who are not yet eligible for forgiveness will need to consolidate their loans by April 30, 2024, to access the Income-Contingent Repayment (ICR) Plan and continue making progress toward IDR forgiveness. Parent PLUS borrowers can only access ICR by consolidating into the Direct Loan program. For more information, please visit the Department of Education’s website.

NSLS’s Education Debt Consumer Assistance Program (EDCAP) provides legal assistance to people who are experiencing student debt problems, including unpaid tuition bills, collection actions, and managing federal and private student loans. Assistance is available to student borrowers, parents, and other family members regardless of income. Services may include student loan counseling, litigation defense and representation, and phone advice. Suffolk and Nassau residents please call: 516-292-8100.