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Student loans should never hold you back.

What is student loan debt relief?

Student loan debt relief is a process where your student loans can be reduced or renegotiated to help lower the total amount of money you owe. When you work with us, our student loan debt attorneys and staff can help you understand your loans and decide the best path forward.

Success Stories

No. more. bills.

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  • We have a no-billing policy Unlike typical law firms, we do not bill by the hour, so you will never get a bill from us. We design your program for peace of mind and relief from bills.
  • The door is always open The best part of our services is that we encourage you to call us. We want you to understand what’s going on with your debt, so you aren’t billed for speaking with us about your accounts.
  • Our services are in-house Some debt relief companies outsource their work, but we have a full staff to keep everything in-house, from creditor negotiations to client management. That way, you save time, money and always talk to the same people.
  • We free up your cash flow It’s a lot easier to focus on your day-to-day needs when you’re not overwhelmed by student loan bills and limited cash flow. In our program, you pay one monthly payment that fits your budget and goes toward your debt in the program.
To learn about our student loan debt relief program, call (866) 890-7337.

We’ll handle the student loans, you focus on your future.

How it works

  • First, request a free consultation

    To set one up, fill out our request form, call, or send us an email. Our dedicated staff is ready to answer questions about our program and the process, so you'll know what to expect.

  • We’ll learn about you

    During the consultation, we'll discuss your student loans and goals for the future. We'll also estimate your monthly payment to resolve your debt, based on your budget, debt amount, and how fast you want to pay it off.

  • Make the first payment

    After you make your first payment, we'll reach out to your student loan creditors and begin discussing the right solutions for you.

  • Your student loan breakdown

    We’ll provide a comprehensive breakdown of your student loans and dig into all possible solutions that can help lower your debt.

  • We’ll stay in touch

    Our office will keep you in the loop as we work with your creditors, so you're in the know. Our goal is to reduce the overall debt load, eliminate interest, and structure a solution that fits your needs.

To get started, call (866) 890-7337.
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Why people choose Tayne Law

A debt relief law firm

Personalized Program

Every situation is unique. We’ll work with you to find a solution that resolves your debt and frees up your cash flow.


You make one low monthly payment and will never get an unexpected bill.

Experienced NY Debt Attorneys

We have more than 20+ years of experience providing clients with debt relief.

Confidential & Trusted

As a law firm, our attorneys follow strict client confidentiality. Our services are discrete and effective.

Work with Creditors

We work with all creditors, whether you’re dealing with a collections firm, a national bank, credit union, or another lender.

Understanding private student loans

If you’ve been struggling to pay back your private student loans, or your loans have defaulted, you could be facing high interest rates, creditor calls, or even lawsuits. Our attorneys know how to work with private student loan creditors, we understand the laws surrounding student loans, and we’ll partner with you to help resolve your debt.

Student loan debt in New York

Everything is rising over here in New York and across the country; the cost of living, interest rates, and most urgently, the average amount of student loan debt.

Pursuing an education should never have to cost you this much. We want to ease the burden of student loan debt so you can support your loved ones, make a down payment on a house, get a better car, and start living your life.

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You deserve a clear path to paying off your student loans.

People are asking

You might need to hire an attorney to help, depending on your situation. Hiring a lawyer to help with your student loan debt doesn’t have to be scary. We’ve been negotiating and resolving student loans for over 20 years, so we understand what’s involved in the process. We want this to be a good experience for you and are here to help you achieve your goals.

We know the law, the creditors, the attorneys that handle the defaulted loans for student loans creditors, so we are in the best possible position to help you. Call us for a free consultation, and see the difference, (866) 890-7337.

The cost of hiring a student loan attorney varies depending on your situation, the lenders you’re working with, and the attorney themselves. We recommend working with an experienced student loan debt attorney who regularly practices in this area because, in the end, it’s going to save you time, money, and years of unnecessary stress.

When you work with Tayne Law, we treat you as an individual, and we’ll work with you to find the best possible solution to resolve your student loan debt. Our staff will work with your creditors directly, keep you informed, and navigate the legal jargon so you can focus on paying off your debt and planning for the future.

When To Hire A Student Loan Attorney

A defaulted loan means you could not pay back your debt in the way you initially agreed upon. Loans commonly default when payments are missed over an extended period. Your credit score will take a hit when this happens, and your student loans will likely be sent to debt collectors. This will show up in your credit report, and your score can drop even more.

Defaulting on student loans is something we help clients navigate regularly. When this happens, you want to try to stop the damage from getting worse. If you’ve defaulted on private student loans, now is the time to take action. Our team will partner with you and your creditor to help settle the debt, which can ultimately help your credit. You can learn more about student loan default in our blog or call us at (866) 890-7337.

Yes, we work with Navient and many other major student loan lenders.
In 2014, Sallie Mae branched off its Federal education loan servicing into a separate company, Navient. Many clients have come to us overwhelmed by their student loan debt with Navient, and we worked with Navient and their representatives to resolve those student loans.

Tayne Law is experienced in resolving student loans with Navient and can work with Navient’s attorneys and collectors to get you the best possible solution for your defaulted student loans. We will work with you to help not only put your mind at ease but make what seems to be an overwhelming situation more straightforward for you.

We know that the debt settlement process can be a stressful and intimidating experience if faced alone. We’re here to help you or a loved one navigate student loans with Navient, Sallie Mae, or any other private student loan creditor.

Creditors & Lenders We Work With

Under certain circumstances you certainly can and specifically if you have Federal loans we often suggest you contact the servicer directly to work through challenges. If your student loans are private, defaulted, with an attorney’s office or you’ve been sued, then we strongly suggest you contact us to discuss your matter. Don’t wait as waiting can make the problem worse. Find out solutions to your student loan debt today.

If you are considering negotiating debt yourself please consider:

  • It’s hard to negotiate when you don’t know the law.
  • Creditors will put you on tight deadlines and could feel threatening
  • You could be sued
  • Negotiations impact your credit score and ability to get credit
  • We know how to resolve debt and have likely worked with your creditor many times before
  • You want the matter resolved right the first time. By working with us you can avoid issues of debt reappearing later for not being properly disposed of.
  • We have established relationships with the creditors and can likely provide more options than they’ll give someone negotiating for themselves
  • Negotiating can take over your life, and who has time for that?

Dealing with student loan debt can feel impossible, and that’s why we are here. Feeling overwhelmed and alone is a common feeling when you have student loans. We know because we’ve had student loan debt too. If you’d like to learn more, schedule a free consultation.

Depending on the type of student loans you have, here’s a quick summary of some potential ways you can get help with your student loan payments:

  • Income-driven repayment: Federal student loan borrowers can apply for an income-driven repayment plan, which can drop your monthly payment to just 10% to 20% of your discretionary income. They also extend your term to 20 to 25 years, after which your remaining balance (if any) will be forgiven.
  • Student loan forgiveness: The federal student loan program offers a couple of loan forgiveness programs beyond the cancellation you can get with an income-driven repayment plan. You may qualify for Public Service Loan Forgiveness if you work for a government agency or eligible not-for-profit organization or if you’re a teacher in a school that serves low-income students. You may also qualify for student loan cancellation if you’re permanently disabled.
  • Student loan repayment assistance programs: If you have federal loans, you may qualify for one or more of these programs, often offered by states, military branches, and other government agencies. Some private employers also offer repayment assistance as an employee benefit, and it doesn’t matter if you have federal or private loans.
  • Student loan refinancing: Refinancing student loans with a private lender isn’t typically an option unless you have a strong credit history and relatively high income (or a cosigner with those attributes). If you do qualify, though, you may be able to get a lower interest rate and monthly payment than what you have now.
  • Debt settlement: If you’re struggling to the point where you’ve defaulted on your student loan debt, it is possible to resolve the situation through settlement. Tayne Law Group has experience working with student loan servicers to settle student loan debt for less than what our clients owe. To learn more, and see if your loans qualify for debt settlement, call us at (866) 890-7337.

With so many options available for student loan debt help, it’s important to carefully consider your situation to find the right one for you. Debt settlement does have pros and cons. It can lower your debt and allow you to be debt free sooner. It is possible that it will do some damage to your credit, but how much depends on many factors. In your free consultation, we can talk about the risks, so you can weigh your options with confidence and clarity.

Debt settlement can also require a creditor to send a 1099c forgiveness of debt. This is not always a problem and in many cases there are ways to manage this so it’s not impactful.

Also, considering refinancing your student loans from a federal to a private may not be a good idea. You could lose Federal protections under certain refinancing options. If you’re thinking about this, we’re happy to explain more.

Request a Free Consultation.

The ability to take out student loans for yourself or a student depends on when you need the loans and how much money you need to borrow. Reducing your debt as much as possible before applying for the loan will benefit you. This is especially true if you’re applying for private student loans that require good credit to qualify.

When working with us, we can discuss many different strategies for resolving student loan debt for you or your student and how to manage current student loan debt. It’s not uncommon to need to take student loans as part of your financial plans for higher education. With our experience and debt relief programs, we can work with you to help you better qualify for additional loans needed for an education.

In our student loan debt relief program, we negotiate with student loan creditors to lower the amount of money you owe. Here are some common creditors we work with:

  • Navient
  • Sallie Mae
  • Nelnet
  • SoFi
  • Discover Student Loans
  • National Collegiate Student Loans
  • And many more!

Creditors & Lenders We Work With

Still have questions? Call (866) 890-7337

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Your initial phone consultation is free and requires no committment!
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