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Please note that as of 9/30/2026, NLS will no longer be providing student debt counseling through the EDCAP Program

Individuals seeking assistance with student loan-related questions and services may reach out to EDCAP directly using the EDCAP Helpline at (888) 614-5004

2.5 M

New Yorkers have student loan debt, totaling more than $90 billion

45%

of young adults (age 18-35) in New York have student loan debt

4x

The number of older student loan borrowers (60+) has quadrupled since 2005

How We Help

Student loan debt can often be confusing and overwhelming. Our Student Loan unit empowers borrowers to take control of their debt with free, unbiased, one-on-one counseling to develop a comprehensive plan and personalized strategy.

NLS is a partner agency of the Education Debt Consumer Assistance Program network

We can assist with:

  • Icon for Choosing a Repayment Plan Choosing a Repayment Plan
  • Icon for Determining Eligibility for Loan Forgiveness, Cancellation, and Discharge Programs. Determining Eligibility for Loan Forgiveness, Cancellation, and Discharge Programs.
  • Icon for Consolidation, Deferment, and Forbearance. Consolidation, Deferment, and Forbearance.
  • Icon for Default and Garnishments Default and Garnishments
  • Icon for Referrals to Other Services and Resources to Address Additional Needs. Referrals to Other Services and Resources to Address Additional Needs.

Request Support

We are a not-for-profit public interest law firm providing free civil legal assistance to low-income individuals. Reach out if you or someone you care about are in need of support.

Apply today
For Erie County - 716.847.0650
For Niagara County - Niagara Falls - 716.284.8831
For Niagara County - Lockport - 716.201.0046
For Wyoming, Genesee, and Orleans Counties - 585.343.5450

Popular Legal Resources for Student Loans

NLS is partner agency of the Education Debt Consumer Assistance Program network https://www.edcapny.org/

Additional Resources for Student Loans

Student Debt

Preparing for Your EDCAP Counseling Session
Just Log On – Student Debt

Resources

Visit our searchable library of helpful materials related to all of the important topics outlined above and more.

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