Your Own Named Attorney
You deal directly with attorney Thomas Frank, the person actually reviewing your loans and returning your calls.
24/7 Emergency Services
71 New Street Huntington, NY 11743, NY
Talk with a Long Island student loan debt lawyer who'll tell you what's free, what's real, and what's a pitch.
Student Loan Attorney, Long Island, NY
If a student loan notice just landed on your kitchen counter in Nassau or Suffolk County, you probably have more options than the last few websites suggested. A student loan attorney on Long Island starts by looking at your actual loans—federal or private—then tells you which paths fit: a repayment plan, a way out of default, negotiation, a lawsuit defense, or bankruptcy.
We work with Long Island borrowers who are behind, getting sued, or staring at a payment they can't cover, whether they studied at a local college or out of state. Sometimes the best answer is a free one, and we'll say so.
Student Loan Debt Relief, Long Island, NY
The Frank Law Firm provided me with legal advice and guidance during a difficult situation. I came to them to review and explain a legal contract I had signed. Amanda was very knowledgeable and explained the document thoroughly. She was very reassuring, and honest in answering all my questions. I would highly recommend to anyone seeking legal representation to reach out to this firm.
Thomas Frank came highly recommended by an attorney I trust and represented me in a complex matter against a large business entity represented by a large NYC firm. He immediately grasped the nature and scope of my case and came up with a brilliant, linear strategy in short order. Just as swiftly, Thomas strategically executed on each step. I have worked with white glove law firms and have never found the level of consistency and professionalism that Thomas provided in his capacity of counsel. He literally made zero mistakes, even in the moments of game time decisions in the courtroom. Not only that, his creativity and judgement led to an outcome that exceeded my expectations, and, as a human being, he was an absolute pleasure to work with. I cannot recommend Thomas Frank highly enough!
We came to Frank Law Firm because our original attorney put us in a scenario where everything was mismanaged. Amanda quickly cleaned up our previous attorneys mess and put us back on track. From day one they were very transparent about their process and fees. They provided fantastic guidance for us as new home owners. The team was highly responsive and often took time to ensure we fully understood potential outcomes and next steps. Overall we would work with them again and recommend to friends.
Amanda was a pleasure to work with!!! Selling and buying a home at the same time is very stressful too begin with and my experience was very difficult and stressful to say the least. Amanda was so patient, always available, and very knowledgeable to every question and concern that I had. I was truly blessed to have her represent me with both of my transactions. I would definitely recommend The Frank Law Firm to anyone that is looking for the best lawyers out there!!!
Amanda was extremely attentive and followed up on everything promptly. The law firm was professional and courteous and I highly recommend it.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Top of the line customer service. Helped me get my moving violation dismissed and I didn't have to do anything ! Was certain I would get in some trouble but was completely shocked when I received the news that it was completely dismissed. In the past with other law firms I paid a lot of money to only get the penalty months later. The Frank Law Firm dealt with my situation in the most kind and professional way. Very nice people.
Thomas Frank was a pleasure to work with. The experience was nothing but a professional one. Mr. Frank guided me through the whole process of Chapter 7 bankruptcy. He was always available to reach by email or texting at any time that I contacted him. He never failed to get back to me within hours. I highly recommend Mr. Frank for all of your legal issues. Also, you'll find their price for their legal services to be more than fair. Again, a great big thank you to a professional and knowledgeable team.
I needed an attorney quick fast and in a hurry. My girlfriend recommended this firm. I called and Amanda got back to me quickly. She researched my issue and gave me good guidance. She is a former prosecutor but able to explain convoluted legal concepts in a very straight forward way. We didn't wind up retaining the firm due to the time contraints of our case, but I know we will be working with them in the future. Give them a call, I think you will like what you hear.
I would like to thank Thomas in handling my first time home buying experience with his law firm. He was very polite and very professional. He even took the time to explain to me page by page about some documents I received from the seller, which by the way it was on his spare time to answer all of my concerns about those documents. He responded on every email and text that I had questions and concerns and I got answers. Thomas made himself accessible and told me if I have any other closing related issues pertaining any documents to give him a call. Thank you once again on doing a great job. I would highly recommend Thomas Frank and his law firm.
I retained Frank Law Firm when I received a warrant for an unpaid ticket. Not knowing the severity of this issue, I called and consulted Amanda. Before giving me any direction, she took the time to make some calls and figure out what exactly was going on. She then guided me through the process. She was very comforting and explained everything in a manor that I understood. I would like to send a sincere thank you to her and Frank Law Firm. The amount of attention and guidance I received was refreshing. I would recommend them to anyone!
The Frank Law firm has helped me and my family tremendously. Amanda has been nothing but a blessing with her vast knowledge and resources, Me and My family were very satisfied with their service. Would definitely recommended them.
I'm a real estate investor in NY and I honestly could not ask to partner up with any firm better than the incredible people at Frank Law Firm. There passion, love and dedication for what they do is evident. I can't thank them enough for everything they have helped me with so far and we are only going to grow from here...
Student Debt Lawyer, Long Island
Real student loan debt relief on Long Island doesn't arrive by robocall. Legitimate help doesn't ask for your FSA ID, doesn't charge upfront for programs the government runs for free, and never tells you to stop talking to your servicer. Applying for income-driven repayment, deferment or forbearance costs nothing.
United Way of Long Island also runs a free Student Debt Assistance Program, and if that's where you should start, we'll tell you. As a student debt lawyer on Long Island, we'd rather give you a straight answer than a sales pitch. Thomas Frank is listed by Super Lawyers for bankruptcy and creditor-debtor rights, and our office in Old Brookville has a 516 number that gets answered.
Student Loan Repayment Options
Every plan starts with the paperwork. We pull your actual loan records to see what you owe, who services it, whether each loan is federal or private, and where it stands today. Then we compare that against your income, household and assets.
For federal loans, student loan repayment options on Long Island may include income-based plans, rehabilitation or consolidation. With SAVE wound down and the new Repayment Assistance Plan in the mix, choosing is harder than it used to be, and the formulas don't account for what a Nassau County rent or a Suffolk County tax bill actually looks like. For private loans, a student loan dispute lawyer on Long Island can challenge a wrong balance or question who really owns the debt, negotiate, or answer a lawsuit. If bankruptcy might help, we'll tell you plainly whether you're a candidate.
Student Loan Legal Help, NY
Have a question about your situation? Start with a conversation.
Ask our teamIt depends on your loans. If they're federal and you only need to enroll in an income-driven plan, request deferment, or switch plans, your servicer or Federal Student Aid can handle that for free, and no company should charge you for it. A student loan debt lawyer on Long Island earns their keep when things get harder: you've been sued, you're in default and worried about wage garnishment, you have private loans, your servicer made a mistake, or you're wondering about bankruptcy. United Way of Long Island also offers free help. If you're not sure which group you fall into, call us and we'll tell you honestly.
Sometimes, but it's hard, and no honest lawyer will promise it. You have to show "undue hardship," usually in a separate lawsuit inside your bankruptcy case called an adversary proceeding. Since November 2022, the Department of Justice has told its attorneys to agree to discharge federal loans when you can't repay now, that inability is likely to continue, and you've made good-faith efforts to repay. You document that on a standard attestation form. Private loans may be easier to challenge here too, since the federal appeals court covering New York ruled in 2021 that they aren't automatically protected from discharge. For Long Island borrowers facing both student loan debt and other financial pressures, discharge may be one piece of a larger bankruptcy strategy. Results vary, and we'll tell you whether your facts fit before you file anything.
Federal loans generally go into default after 270 days of missed payments. After that, the government can offset your tax refund, reduce Social Security benefits, and garnish up to 15% of your disposable pay without a court hearing. Collection rules have been shifting lately, and a pause on some actions may not last, so don't assume you're in the clear. Default isn't a dead end, though. Rehabilitation, consolidation, a new repayment plan, negotiation or bankruptcy may be available depending on your loan type. On Long Island, where rent and property taxes already take a big bite out of a paycheck, losing 15% can break a budget, so it's worth acting before a notice turns into a garnishment.
Don't ignore the papers. A summons has a deadline to respond, and missing it can lead to a judgment against you. Write down the date you were served, gather everything you've received, and call us quickly. Private lenders and collectors often have to show they actually own your loan and that the amount is right, and in some cases the statute of limitations may have run out. Thomas Frank previously represented lenders and servicers, so he knows what they need to prove. A student loan dispute lawyer on Long Island can respond to the court, challenge their paperwork, or negotiate a settlement on your behalf.
The modified Standard Plan and the new Repayment Assistance Plan, or RAP, became available on July 1, 2026. Borrowers on SAVE began receiving 90-day notices telling them to choose a different plan or be moved to a standard plan, which can mean a higher payment. Your deadline is tied to your own notice date, so find that letter first. To stay on an income-driven plan, you'll need to move to Income-Based Repayment by July 1, 2028, or be placed in RAP, and Parent PLUS loans aren't eligible for RAP. Student loan repayment options on Long Island are worth comparing carefully, because plan formulas ignore local living costs.
Start with the red flags: upfront fees for programs that are free, requests for your FSA ID, pressure to sign today, guaranteed forgiveness, or advice to stop paying your servicer and send money to them instead. A real student loan debt attorney will give you a name, a license you can check with the state, and a street address. Ours is 333 Glen Head Road in Old Brookville, and our number is 516-246-5577. We never guarantee outcomes, because nobody can. Ask any lawyer, us included, how fees work before you sign anything, and walk away from anyone who dodges the question.