Student Loan Insights & Resources: The Float Debt Solutions Blog

Welcome to the definitive resource hub for navigating the complexities of student loan debt.


At Float Debt Solutions, we believe that informed borrowers are empowered borrowers.


Our blog is carefully put together by Natalie Jean-Baptiste. She is a well-known expert in student loan discharge and a bankruptcy attorney. Natalie has over 12 years of experience in this field.


Here, you will find clear, accurate, and useful information on all important parts of student loan debt relief. This includes bankruptcy strategies, repayment plans, and solutions for default.


If you want to know about student loan discharge in bankruptcy, repayment options, or need help with default, this blog can help you. It is your trusted guide to reclaiming your financial future.

Student Loan Insights & Resources by Float Debt Solutions

Why Our Student Loan Blog is Your Essential Guide


In a world full of false information and old articles, borrowers need trustworthy advice from experts. The Float Debt Solutions Blog stands out because it offers:


Expert-Authored Content

Every article is crafted or reviewed by Natalie Jean-Baptiste, ensuring accuracy, legal clarity, and strategic depth. Natalie’s expertise has been featured on well-known platforms including Upsolve, Columbia Law School, and major media outlets.


Actionable Legal & Financial Guidance

We don’t just explain concepts—we show you exactly how to use them. Each post offers clear next steps, strategies, and practical checklists you can apply immediately.


Deep Coverage of Critical Topics

Our content covers important topics for borrowers. We discuss the Brunner Test, income-driven repayment plans, and bankruptcy strategies. This helps borrowers make informed decisions.


Empowering Education

Our mission is to make complex legal and financial topics easier to understand. We want you to feel confident, prepared, and in control of your debt relief journey.


Current and Up-to-Date Information

Student loan rules, bankruptcy policies, and relief programs evolve constantly. We stay informed so you always have access to the latest developments affecting your student loans.


This blog shows our commitment to helping students with loans. We serve borrowers in New York City, Long Island, Westchester, and all over the United States.

Explore Our Latest Insights & Key Topics


Browse our library of expert-driven articles, organized to help you quickly find the information you need.


Stay informed on policy updates, court decisions, and proven strategies for getting rid of student loans through legal channels. 


Our posts analyze:


  • Recent bankruptcy cases
  • Changes in federal discharge guidance
  • Updates to undue hardship standards
  • New York–specific court insights

If you're exploring student loan discharge in bankruptcy NY, this section is essential reading.


Discharging student loans requires proving “undue hardship.” We break down:


  • What courts consider part of a minimal standard of living
  • How to demonstrate persistent financial hardship
  • What constitutes a good faith effort to repay
  • Evidence judges typically find persuasive
  • Real-world examples of successful cases

This section helps you evaluate whether you may qualify.


Bankruptcy can be a powerful tool for relief—when used strategically. Learn:


  • The role and structure of the Adversary Proceeding (AP)
  • Differences between Chapter 7 vs. Chapter 13
  • Documentation courts expect
  • How to prepare for hearings

What to expect from lenders, servicers, and the Department of Education


We demystify the process, giving you the confidence to explore this path.


Our FAQ-driven posts offer clear explanations to the most common student loan questions, including:


  • Can student loans be included in bankruptcy NYC?
  • How do I get out of student loan default NY?
  • Is public service loan forgiveness New York right for me?
  • Which repayment plan is best for New Yorkers?
  • How does income-based repayment New York work?
  • What student loan relief programs are available now?
  • We provide practical, state-specific and national guidance.

Latest Posts

NYC Student Loan Forgiveness Programs
December 8, 2025
Our NYC Student Loan Forgiveness Programs guide helps you find local options for reducing student debt, including federal, state, and city resources.
Free Undue Hardship Assessment Tool
December 4, 2025
Use our guide to the Free Undue Hardship Assessment Tool to understand how it works, what it measures, and how it helps with student loan discharge.
Student Loan Discharge Guide
December 1, 2025
Learn how to discharge student loans legally with our in-depth Student Loan Discharge Guide, designed to help borrowers find lasting financial relief.
Wooden letter tiles spelling CREDIT representing credit rebuilding strategies
November 24, 2025
Learn proven strategies to rebuild credit after student loan discharge. Expert tips for budgeting, credit building, and financial recovery in 2025 and 2026
Financial hardship example for student loan undue hardship qualification
November 3, 2025
Learn how the undue hardship test works for student loan discharge in bankruptcy. Read this essential guide for evaluating your chances of qualifying for this relief
Calendar marking December 30th as 'DEBT FREE' day with pen, representing student loan relief success
October 24, 2025
Learn how to discharge private student loans in bankruptcy and explore alternative relief options, such as negotiation and settlement strategies, for your situation.
Hands holding financial tools representing student loan debt analysis and solutions
October 6, 2025
Complete guide to NYC student loan forgiveness programs including PSLF New York application process, TPD discharge, and teacher forgiveness options for borrowers.
Young professional experiencing stress over missed student loan payments at office desk
September 30, 2025
What happens if you miss a student loan payment? Learn the progression timeline and consequences of late payments, and how to protect your financial future.
Signs of too much debt shown by stressed person reviewing overdue bills and financial papers
September 12, 2025
Learn the warning signs of having too much debt and how it affects your finances. Discover practical steps to regain control and achieve financial stability today.
Good Debt vs Bad Debt guide for Americans explaining smart financial choices and money management
August 27, 2025
Good Debt vs Bad Debt: Understand the difference, build smarter financial habits, and protect your future. Learn expert money tips and start improving today.

Your Local Student Loan Resource: Serving New York and Beyond


Although our content is valuable nationwide, we offer specialized insights for borrowers dealing with New York–based financial challenges:


  • Student Loan Help Brooklyn

  • Student Loan Debt Attorney Queens

  • Student Loan Assistance Bronx

  • Student Loan Default Help Manhattan

  • Long Island & Westchester Student Loan Issues

Our guidance is tailored to the unique financial and legal landscape of New York.

Stay Informed, Stay Empowered


Financial freedom begins with knowledge. The Float Debt Solutions Blog provides the roadmap.


If you are having trouble with payments, considering bankruptcy, or looking for repayment plans, these articles offer expert advice. This advice can help you take action.


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Find quick answers to the most common questions about student loan relief.