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StudentLoans Resources for New York: :

Resources Applicable to All States

Student Loan Borrower Assistance (SLBA)

www.studentloanborrowerassistance.org

This website from the National Consumer Law Center offers a wide variety of resources to help you handle student loan problems

Consumer Financial Protection Bureau (CFPB)

www.consumerfinance.gov

CFPB can help you make the right choices about paying for college and understand your options for paying back student loan debt

Self-Help Packets in English and Spanish (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

Student loan self-help packets to help you with your federal student loans, from SLBA

How Student Debt May Be Stunting the Economy (NYT: The Upshot)

www.nytimes.com

Senior economics correspondent Neil Irwin makes an argument that student loan debt is a significant drag on economic recovery.

Student Loan Debt: State by State (The Washington Post: GovBeat)

www.washingtonpost.com

Late Student Loan Payments Are Still Common (Vox)

www.vox.com

It appears that borrowers aren't taking full advantage of new programs to help lower student loan payments.

Everything You Need to Know About Student Loan Debt (Vox)

www.vox.com

Well, maybe not everything, but these "flip cards" from Vox answer a lot of questions about student loan policies and practices.

Drawbacks of Private Student Loans (New York Times Editorial Board)

www.nytimes.com

Why private student loans are a poor deal for many borrowers

A Beginner's Guide to Repaying Student Loans (New York Times)

www.nytimes.com

An overview of how to tackle your student loan debt

National Student Loan Data System (U.S. Department of Education)

www.nslds.ed.gov

You can use this government website to find the details on your federal student loans

Top 10 Student Loan Tips for Recent Graduates (Institute for College Access & Success)

projectonstudentdebt.org

Student Loan Cancellation FAQs (U.S. Department of Education/FSA)

studentaid.ed.gov

Answers to frequently asked questions about discharging student loans without paying

Department of Education: Guide to Student Loan Repayment

studentaid.ed.gov

Facts About Consolidation Loans (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

A good overview for anyone thinking about consolidating their student loans

Income-Based Repayment Plans (U.S. Department of Education)

studentaid.ed.gov

The official page for information about income-based student loan repayment options

Understanding Default (U.S. Department of Education/FSA)

studentaid.ed.gov

What default means, its consequences, and what to do if your loan is in default

Your Loan Servicer FAQs (U.S. Department of Education/FSA)

studentaid.ed.gov

Answers to frequently asked questions about how to find and work with the company that handles your loan

Public Service Loan Forgiveness (U.S. Department of Education/FSA)

www.studentaid.ed.gov

If you have a public service job, you may eventually be able to cancel your federal student loans

Total and Permanent Disability Discharge (U.S. Department of Education/FSA)

studentaid.ed.gov

You can cancel your federal student loans if you are totally and permanently disabled.

Brunner v. New York State Higher Education Services Corp.

www.moranlaw.net

This is the case that sets out the most common standard for determining whether student loans can be discharged in bankruptcy.

Student Loans in Bankruptcy (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

Guidance and resources to help you determine whether bankruptcy can help you manage or eliminate your student loans.

You Can Get Student Loans Forgiven in Bankruptcy, But It's Far From Easy (Bloomberg Business Week)

www.businessweek.com

Most people who file for bankruptcy don't even try to get their student loans discharged -- but many who do try, succeed.

Five Things Student Loan Lawyers Ask Borrowers Who File For Bankruptcy

blogs.wsj.com

Bankruptcy proceedings can be harsh. Here are some of the more difficult questions student loan borrowers have faced.

Student Loans in Chapter 13 Bankruptcy (Nolo.com)

www.nolo.com

An overview of how Chapter 13 bankruptcy may help you get some student loan relief.

Consolidation Loans (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

SLBA's information and tips for borrowers considering loan consolidation.

Loan Consolidation (U.S. Department of Education)

studentaid.ed.gov

A guide to student loan consolidation from the U.S. Department of Education

Private Student Loan Consolidation (FinAid)

www.finaid.org

Pointers for borrowers considering private student loan consolidation, from FinAid.

Student Loan Consolidation (FinAid)

www.finaid.org

Great tips for those considering student loan consolidation, including examples to help you understand how your new loan terms will be calculated.

Loan Consolidation Calculator (FinAid)

www.finaid.org

Lets you compare the monthly payments, interest rates, and total cost of your existing loans v. a consolidation loan

Self-Resolution Checklist (U.S. Department of Education)

studentaid.ed.gov

This checklist can help you figure out whether you've done all you can to resolve your student loan dispute

Student Loan Consolidation FAQ (FinAid)

www.finaid.org

Answers to frequently asked questions about consolidating student loans

Avoid Scams (U.S. Department of Education/FSA)

studentaid.ed.gov

Official advice on avoiding scams while applying for student aid.

Deceptive Student Loan Practices (FTC)

www.consumer.ftc.gov

The FTC offers tips for avoiding scams and unpleasant surprises when dealing with lenders and marketers.

Repaying Private Student Loans: Watch Out for These Pitfalls

www.nolo.com

If you're having trouble with your private loan lender or servicer, this article can point you in the right direction.

Postponing Repayment (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

Sound advice on deferment and forbearance from the SLBA.

Economic Hardship Deferment Self-Help Packet (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

A downloadable booklet to help you understand and apply for an economic hardship deferment.

Economic Hardship Deferment Calculator (FinAid)

www.finaid.org

This calculator can help you figure out whether you qualify for an economic hardship deferment.

Cost of Interest Capitalization Calculator (FinAid)

www.finaid.org

Learn how interest accrued during deferment or forbearance can affect the total balance of your loan.

Deferment and Forbearance (U.S. Department of Education/FSA)

studentaid.ed.gov

The official page for information about student loan deferment and forbearance

Grace Periods (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

Tips to help you understand and manage the grace period on your student loan

The Horrors of Defaulting on Education Debt

www.fastweb.com

Student loan expert Mark Kantrowitz shares nightmare stories of what can happen to student loan borrowers who default

How Wage Garnishment Works

www.myeddebt.com

An overview of the wage garnishment process from the website that handles defaulted student loan debt for the U.S. Department of Education

How Tax Offsets Work

www.myeddebt.com

An overview of the tax refund seizure process, from the website that handles defaulted student loan debt for the U.S. Department of Education

How the Federal Salary Offset Program Works

www.myeddebt.com

An overview of the wage garnishment process for federal employees, from the website that handles defaulted student loan debt for the U.S. Department of Education

Federal Student Loan Collections (U.S. Department of Education)

studentaid.ed.gov

The official home page for federal student loan debt collection information

Fair Debt Collection Rights (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

Know your rights if a debt collection agency is harassing you

Obama Ends Damaging Student Loan Collections Practice (New America Foundation)

higheredwatch.newamerica.net

Private collection agencies can no longer collect high commissions for demanding unreasonable payments

Ways To Repay Loans to the U.S. Department of Education

www.myeddebt.com

Answers to frequently asked questions about repaying defaulted federal student loans.

The Student Loan Default Trap (National Consumer Law Center, 2012)

www.studentloanborrowerassistance.org

A detailed report exploring why student loan borrowers default and what can be done about it

Understanding Repayment Plans

studentaid.ed.gov

The official home page for information about federal student loan repayment options

Loan Repayment Programs for Health Care Professionals (Health Careers Center)

www.mshealthcareers.com

An overview of loan forgiveness programs available to health care professionals

Public Service & Student Debt (Consumer Financial Protection Bureau)

files.consumerfinance.gov

A guide to public service loan forgiveness programs from CFPB

IRS Rules for Student Loan Cancellation and Forgiveness Programs

www.irs.gov

Find out whether the IRS will tax your canceled or forgiven loan amount

60+ Ways to Get Rid of Your Student Loans -- Without Paying Them (American Student Assistance)

www.saltmoney.org

This ebook is the most comprehensive guide we've found to student loan forgiveness and discharge programs

Companies That Offer Help With Student Loans Are Often Predatory (New York Times)

dealbook.nytimes.com

Beware of any debt settlement company that offers to help you deal with your student loans for a hefty fee

Find a Solution to Student Loan Problems (Student Loan Borrower Assistance)

www.studentloanborrowerassistance.org

If you're having trouble with your student loans, these questions and answers can point you toward help

Federal Student Aid Ombudsman Group (U.S. Department of Education)

studentaid.ed.gov

If you've done all you can to resolve a problem with the servicer of a federal student loan, the ombudsman group can help

Ombudsman Program for Private Student Loans (Consumer Financial Protection Bureau)

www.consumerfinance.gov

If you submit a student loan complaint to CFPB, they may connect you with an ombudsman who can help

New York Wage Garnishment Laws (Nolo)

www.nolo.com

Here's where you can find the specific wage garnishments and limits for New York.

Ex-Students With 'Income-Based' Loan Payments Face Crushing Tax Bill

www.nbcnews.com

The Obama administration proposed changing the tax code to exempt the forgiven debt from taxes, but the provision did not make it into the final budget agreement passed by Congress and signed by President Obama in December.