EDCF is a 501c3 organization formed specifically to reduce the accumulated $1.5 trillion (and rising) of educational loan debt and promote better behaviors through education/guidance on financial need, debt management, and life management matters. It is the vision of Dr. Graham to heighten awareness of student loan debt and eliminate Economic Disaster in all communities by “Breaking the bondage of educational debt.” Our mission begins with single mothers struggling to repay education debt while providing for their children.

My story begins as a pregnant teen living in the most feared areas of the Midwest giving birth to a high energy bundle of joy with bright eyes. My hopes of living the promised and delusional “Happily Ever After” soon faded with the harsh reality of raising a child alone in the ghetto. Seasons changed during my daily commute from summer to an unforgiving winter as I walk 2 country blocks to catch 2 city buses and walk 12 city blocks to get to the daycare before boarding a school bus. Like a skillful flying trapeze artist, I perfected the delicate balance of school books on my back, diaper bag on one arm, and my child in a carry-all on the other arm as I navigated treacherous terrain.

One bitter morning on the last leg of my pedestrian commute, I collapse like a sack of potatoes into a nearby store, trying to rescue the tiny screaming red face with eyes frozen shut with icicle tears. In that moment I knew that going to college was my only option to make a better life for us. “No more frozen tears.” A year later I won a scholarship that allowed me to go to college and live in family housing with on-campus daycare. It was perfect… too perfect. As a first-generation student, I had no insight or guidance to avoid or lessen the “mortgage-like” price tag of this life-changing education to be repaid on a meager entry-level Midwestern salary. A single mother should not have to choose between a roof for her child and education debt repayment and with your help, she doesn’t have to…

My Story - No More Frozen Tears

Did you know...

You can now support EDCF while you shop online through Smile Amazon? It's never been easier to support those making strides toward debt cancellation.

I need debt relief 

CALLING ALL SINGLE MOTHERS:  ECDF is dedicated to helping everyone reduce educational debt and we are starting with YOU! Submit a 500 word or less essay to admin@edcfinc.org describing your student loan repayment challenges to apply for the EDCF Financial Freedom Endowment Scholarship. Annually in September recipient(s) are selected to receive a $500 distribution paid directly to educational debt holder. Essays are accepted all year round.

I want to donate

Make a general donation by clicking the donate button below. If you would like to become a sponsor or to give an in-kind donation, email EDCF at admin@edcfinc.org and receive your sponsorship packet. Every donation makes a difference, and your support is appreciated.