Student Loan Lawyer NYC & New York – Help for Private and Federal Loans

• We’ve helped New York borrowers handle federal and private student loan issues, including settlements, forgiveness programs, and repayment strategies.

• Many of our clients have turned their financial challenges into success stories with our support—achieving forgiveness, reduced monthly payments, and stability.

• We offer virtual consultations and personalized legal solutions to tackle unique loan issues without leaving your home.

Living in New York—especially NYC—comes with sky-high costs, and when you add student loan payments, it can feel like there’s no room to breathe. Dreams like buying a home, starting a family, or saving for retirement can seem impossible when most of your paycheck goes toward rent and basic expenses.

You’re not alone. New York residents carry $94.4 billion in student loan debt, with an average balance of $38,690—well above the national average. Many borrowers face lawsuits, wage garnishments, and payments they simply can’t afford, making the situation even more stressful.

Our team specializes in helping New York borrowers tackle these challenges head-on. With over a decade of experience, we’ve helped clients negotiate settlements, stop wage garnishments, and secure federal loan forgiveness.

Whether you’re in NYC, Albany, Buffalo, or a smaller town like Rhinebeck, our virtual consultations make it easy to get the expert legal advice you need—without leaving your home.

Related: Student Loan Lawyer – Costs, Services, and How to Find the Best Help Near You

We’re not just another law firm. We’re one of the few practices in the nation exclusively focused on student loan law—and we’ve been helping New York borrowers tackle even the toughest challenges for over a decade.

Here’s why so many clients in NYC and across New York choose us:

• Specialized Expertise: From lawsuits to loan forgiveness, we handle every student loan issue with care and precision.

• Proven Results: We’ve negotiated private loan settlements, stopped wage garnishments, and guided clients through federal forgiveness programs.

• Efficient, Professional Consultations: We prepare in advance so your consultation delivers practical, actionable advice from the start.

Our services are designed to address the unique challenges of both federal and private student loans, providing effective debt relief solutions. Here’s how we can support you:

• Federal Loan Forgiveness: Discover if you qualify for programs like the PSLF Program, total and permanent disability discharge, or forgiveness tied to income-driven repayment plans administered by the Department of Education.

• Parent PLUS Loan Strategies: Lower payments and unlock new options with solutions like the double consolidation loophole.

• Repayment Plan Optimization: Choose the best plan, like SAVE or IBR, to reduce monthly payments or switch to Extended or Graduated Repayment plans if you have a high income.

• Default Resolution: Stop wage garnishments or Social Security offsets through loan rehabilitation or federal consolidation, and regain financial stability before debt collectors escalate their efforts.

• Refinancing Advice: Determine if private refinancing with a private lender aligns with your financial goals, especially if you manage high-interest student debt.

• Private Loan Settlements: Negotiate reduced balances and manageable repayment agreements with loan servicers or lenders for private student loan debt.

• Bankruptcy Assistance: If your student loans meet the requirements of undue hardship under the bankruptcy code, we guide you through adversary proceedings to seek discharge.

No matter your situation, our experienced student loan attorneys provide practical, results-driven solutions to help you regain control of your student loans and financial future.

Related: Student Loan Bankruptcy Lawyer – What You Need to Know

We believe in price transparency and a straightforward process tailored to your needs. Although we don’t offer free consultations, our focus is on delivering real value—whether that’s actionable advice or full-service representation.

Here’s how it works when you choose to work with us:

The Consultation

Before your virtual consultation, we’ll review your documents and questions to ensure every minute of our call is productive. During the session, we will:

• Provide you with a tailored game plan to tackle your student loan challenges.

• Outline DIY steps if you’d prefer to handle the situation on your own.

• Explain the costs involved if you choose to hire us to execute the plan for you.

If You Decide to Hire Us

Should you move forward after the consultation, here’s what happens next:

• Contract and Onboarding: We’ll send a contract, invoice, and onboarding form to collect any additional information needed to represent you.

• Case Review and Preparation: Once your file is complete, we review every detail to ensure your case is thoroughly organized and ready for action.

• Service Execution: Our team gets to work, keeping you updated weekly via email. You’ll also have access to schedule follow-up calls or virtual meetings whenever needed.

Flat Fees—No Surprises

We charge flat fees for all services, ensuring you know exactly what to expect—no hidden charges, no unexpected bills.

• Lower-Cost Services: Assistance with federal student loans, such as lowering payments or recertifying income-driven repayment plans.

• Higher-Cost Services: Complex matters like negotiating private loan settlements or filing adversary proceedings for student loan bankruptcy.

From start to finish, our goal is to simplify the process, keep communication open, and give you the peace of mind you deserve.

We’ve helped borrowers across New York take control of their student loans, no matter how complex the situation. From managing the Biden administration’s forgiveness programs to reducing Parent PLUS loan payments, we’ve delivered tailored, life-changing solutions.

Here are just a few examples of the difference we’ve made:

• Eliminating Debt with Federal Loan Forgiveness: A public school teacher in Queens wasn’t sure if he qualified for the Biden administration’s one-time account adjustment or the PSLF waiver. We reviewed his loan history, guided him through necessary consolidations, and ensured all paperwork was submitted on time. The result? Over $200,000 in federal student loan debt was forgiven, giving him a clean slate to focus on retirement savings.

• Settling Private Student Loans: A freelance graphic designer in Brooklyn owed $75,000 in private loans to Sallie Mae after initially borrowing $30,000. Despite having already paid $50,000, she was drowning in high-interest payments. We negotiated a settlement that reduced her balance to 35 cents on the dollar, with payments spread over five years at 1% interest.

• Resolving Debt Post-Bankruptcy: After filing for Chapter 7 bankruptcy, a nurse in Syracuse discovered that $100,000 in student loan debt remained untouched because her bankruptcy attorney hadn’t addressed the loans. We filed an adversary proceeding and successfully had the loans fully discharged, allowing her to start over debt-free.

• Transforming Parent PLUS Loan Payments: Parents in Manhattan with $150,000 in Parent PLUS loans struggled with monthly payments rivaling their rent. By leveraging the double consolidation loophole, we restructured their loans to qualify for the SAVE Plan. The result? Payments dropped to under $50 per month, and they became eligible for eventual loan forgiveness.

New York City, specifically, and New York State, generally offers a variety of free resources to help borrowers understand and manage their student loans. These services are an excellent first step for addressing your debt:

• EDCAP (Education Debt Consumer Assistance Program): Get personalized, one-on-one counseling to explore repayment options, loan forgiveness programs, and dispute resolution. Visit edcapny.org.

• NYLAG (New York Legal Assistance Group): Offers free legal aid to borrowers, with guidance on both federal and private loans. Learn more at nylag.org/studentloans.

• NYC Bar Association: Provides educational materials and legal support for student loan issues. Explore their resources at nycbar.org.

• NY State DFS (Department of Financial Services): Shares key information about borrower rights and protections. Visit dfs.ny.gov.

• NYC DCWP (Department of Consumer and Worker Protection): Offers in-person counseling and financial planning services. Learn more at nyc.gov.

If these free resources don’t fully address your needs, a student loan lawyer in NYC can help with more complex situations. Sometimes professional guidance is the best way to find a lasting solution to overwhelming debt.

No matter how overwhelming your student loan challenges may feel—whether it’s tackling private loans, exploring deferment options, or managing federal student loan forgiveness programs—help is just a call away.

Our team of experienced attorneys is here to protect your rights, resolve loan issues, and help you regain financial stability. We’ve assisted countless New York borrowers in lowering interest rates, negotiating payment plans, and finding effective legal solutions. Whether you’re in NYC or anywhere in the state, we’re here to help with student loan relief.

Don’t let student loan payments, debt collection threats, or concerns about your credit score hold you back any longer. Book a consultation with us today to take the first step toward a clear plan and lasting peace of mind.

Related reading:

• Student Loan Lawyer Los Angeles

• Student Loan Lawyer Ohio

• Student Loan Lawyer California

• Student Loan Lawyer Florida

• Student Loan Lawyer New Jersey