


Where Support Meets Strategy
Our team helps applicants navigate the rigorous debt landscape to find effective solutions.
Our resource hub features curated videos and webinars aimed at promoting financial literacy and empowerment.
Open to All — Supporting Public Service Professionals Burdened by Predatory Loans.
Loan Debt and Mental Health: What Studies Show

Elbow Room IMPACT
"Elbow Room didn’t just help me — it changed my life!"
Coming soon: Real stories. Real people. Real impact


Our Purpose, With You in Mind
Non-Profit Professionals




Public leaders work to strengthen and sustain communities while shaping a brighter future.
Educational Professionals




Educators help build strong foundations by teaching, guiding, and developing future generations.

Tools and Knowledge
to Move You Forward
Imagine living free from financial stress feeling proud of your education and confident about what’s ahead. With Elbow Room, you’re supported every step of the way. Whether you need help with your Public Service Loan Forgiveness application or understanding your repayment options, we’re here for you.




The Visionary Behind Elbow Room
Holly Johnson Friar founded Elbow Room with you in mind after recognizing how public service professionals are squeezed on all sides without clear direction. She made it her mission to build a team to support, strategize, and provide direction.


Foundation Details
Elbow Room: The Movement to End Student Loan Debt, Inc. is operating as a CA non-profit public benefit corporation using federal tax-exempt status as a public charity under Sections 501(c)(3), 170, 2055, 2106 or 2522 of the Internal Revenue Code. Contributions to Elbow Room: The Movement to End Student Loan Debt are tax-deductible to the fullest extent of the law. (EIN: 86-1986002)








