New York State Higher Education Services Corp


If you've received a notice that your student loan is delinquent or in default status with NYHESC (New York State Higher Education Services Corp) then you may concerned about the possibility of having your tax refund offset or your wages garnished.

Our lawyers help people resolve their government student loans with New York State Higher Education. Depending on your circumstances and the status of your accounts, you may be seeking a reduced payment plan, a debt consolidation, a loan rehabilitation, forgiveness, a disability discharge, or even a student loan settlement. The attorneys at the Law Office of Simon Goldenberg PLLC have experience in understanding our client's goals, financial status, and unique hardship so as to help explore the resolution options that fit's best.

The NYS Higher Education Corp has an address listed as 99 Washington Ave., Albany, NY, 12255. They work on behalf of New York State to administer financial aid, the tuition assistance program, scholarships, and award programs. Betwen 2013 and 2014, they claim to have disbursed and forgiven nearly a billion dollars in scholarships, grants, and other student aid to 385,000 students in New York. NYSHESC administers FFEL and Direct Loans on behalf of the Department of Education, as well as Grad Plus Loans.

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New York State Higher Education Services Corp

NY HESC is the student loan guarantor for New York State and is one of the designated FFELP Guarantee Agencies for federal student loans. Read about Brunner vs. New York State Higher Education. The student loan debts being collected by this state entity are generally non-dischargeable in bankruptcy absent a sufficient showing of "undue-hardship", which is an extremely high threshold to meet for higher education student loan borrowers in New York.

If NY Higher Education has sent you an administrative wage garnishment notice, then you may still have a small window of time in which to resolve your loan voluntarily and possibly avoid wage garnishment.

Help with Student Loans in New York

Resolving defaulted student loans can be confusing. The rules, eligibility requirements, timelines, and applications can be difficult to understand. That is why people turn to our lawyers when facing important decisions with their student loans. We can help you understand the options that are available to you, and also guide you towards the option that best suits you. Further, our legal team can conduct any necessary negotiations and assist you with the completion of any requisite applications and documentation.

If you need help addressing your debt with NYS Higher Education, or any other student loan matter, contact our law firm for a free phone evaluation and learn how we can help.

List of entities that New York State Higher Education Services Corporation may have collected on behalf of:

  • U.S. Department of Education (DOE)
  • Sallie Mae / Navient
  • ACS Education Services (ACS)


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