The Community Service Society of New York
01/13/2026 | Press release | Distributed by Public on 01/13/2026 14:48
Press Release: CSS Statement on EDCAP’s Expansion
January 13th, 2026
Press Release
CSS Statement on EDCAP's Expansion
The Community Service Society of New York (CSS) thanks Governor Hochul for expanding the Education Debt Consumer Assistance Program (EDCAP) at a pivotal moment for student loan borrowers. CSS launched EDCAP in 2019 as the first program of its kind in the nation, offering free, unbiased consumer assistance through a central helpline and individualized counseling in partnership with a statewide network.
Since its inception, EDCAP has served as a national model, saving New Yorkers more than $48 million by helping borrowers enter repayment, avoid delinquency, recover from default, and protect themselves from predatory practices. Today, New York ranks sixth nationally in federal student loan debt, with 2.4 million borrowers owing $98 billion.
With repayment now resumed and federal relief programs ended, borrowers face rising defaults, increasingly complex repayment systems, widespread misinformation, and aggressive scams-making trusted, timely guidance more critical than ever. Early intervention is essential. Programs like EDCAP, working with higher education institutions, ensure borrowers receive accurate, timely information and personalized support to manage their debt effectively. This collaboration is also key to guaranteeing that New Yorkers see a true return on their investment in higher education, rather than being saddled with unmanageable student debt.
We applaud Governor Hochul for recognizing the urgency of this moment and investing in EDCAP's expansion. This action reaffirms New York's leadership in protecting student borrowers and promoting long-term financial stability.
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The Community Service Society of New York (CSS) has worked with and for New Yorkers since 1843 to promote economic opportunity and champion an equitable city and state. We power change through a strategic combination of research, services, and advocacy to make New York more livable for people facing economic insecurity. By expanding access to health care, affordable housing, employment opportunities, debt assistance, and more, we make a tangible difference in the lives of millions. Join us at www.cssny.org.
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