What is an Adversary Proceeding in student loan discharge in bankruptcy?

An Adversary Proceeding is a lawsuit filed within a bankruptcy case by the debtor asking the court to discharge student loans, often by proving undue hardship. It involves formal pleadings, evidence, and sometimes hearings. Float Debt Solutions helps you understand whether pursuing an Adversary Proceeding fits your situation and how it fits into your overall discharge strategy.

What does the Undue Hardship test mean for student loan discharge?

The Undue Hardship test, often applied through the Brunner Test or similar standards, is a legal benchmark used by courts to decide whether repaying student loans would prevent you from maintaining a minimal standard of living now and in the foreseeable future. It typically looks at your current finances, whether your hardship is likely to continue, and whether you have made good-faith efforts to repay. Meeting this test is challenging but possible with proper documentation and strategy.

What do I get in a Float Debt Solutions strategy session with Natalie Jean-Baptiste?

In your one-hour strategy session, you submit documents in advance so Natalie can review your student loan portfolio before you meet. During the session, you receive an in-depth analysis of your loans, clear guidance on whether to explore bankruptcy discharge, forgiveness programs, settlement, or other relief, and a personalized roadmap tailored to your goals and risk tolerance, rather than generic advice.

Who should consider booking a Coaching & Consulting session from Float Debt Solutions?

A strategy session is ideal if you have complex student loan circumstances, have already tried standard solutions without success, or are unsure whether you meet the undue hardship standard. It is especially helpful if you are considering bankruptcy, have mixed federal and private loans, or simply want expert insight before making big decisions about your debt.

Is Coaching & Consulting limited to people in New York?

No. Although Natalie Jean-Baptiste is a student loan attorney based in New York City, Long Island, and Westchester, the coaching and consulting sessions are available nationwide. You can receive guidance that takes into account your state’s rules and procedures, even if you live outside New York.

How much does a strategy session cost, and what value do I receive?

A strategy session costs $300 per hour. In return, you receive expert legal insight focused on your specific student loan situation, a personalized action plan, clarity on options such as bankruptcy discharge, forgiveness, consolidation, or settlement, and direct answers to your questions so you can move forward with confidence instead of confusion.

Personalized Student Loan Strategy Coaching with Natalie Jean-Baptiste

Are you struggling with complex student loan debt and unsure of your next step?

You’ve researched, tried different approaches, and still need clear, expert guidance tailored to your specific situation. At Float Debt Solutions, we understand that every borrower’s financial journey is unique.

Natalie Jean-Baptiste is a well-known expert in student loan discharge. She offers effective sessions to help with student loan strategies. These sessions provide you with clear and useful answers.

These are not simple consultations. They are strategic deep dives that look closely at your student loan history, financial profile, and goals.

If you are looking at bankruptcy options, facing default, or need clarity, Natalie offers the insights you need. Her advice helps you move forward with confidence.

group of students who need coaching and consulting

Our DIY Online Course helps many borrowers find relief on their own. However, some situations need specific, personal help.

If you want expert advice like a student loan attorney gives, these strategy sessions are for you. You can get help without the cost or commitment of full representation.

Natalie Jean-Baptiste, founder of Float Debt Solutions

A personalized coaching session is ideal if you:

Are considering student loan discharge through bankruptcy and need expert evaluation of your undue hardship claim

Have complex student loan issues that generic resources don’t address

Are following a DIY approach and need targeted guidance or strategy refinement

Want to understand the best options for eliminating or managing your student loans

Are unsure whether to pursue bankruptcy, administrative forgiveness, rehabilitation, consolidation, or other relief options

Need clarity on programs such as Public Service Loan Forgiveness (PSLF) in New York

Need help understanding key legal terms like Adversary Proceeding or the Brunner Test

Want access to 12+ years of high-level student loan discharge experience, applied directly to your case

If you need help with student loans in NYC, debt relief in Queens, or an attorney in Long Island, we can assist you. If you want a better option than traditional legal services, these sessions are made just for you.

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What to Expect During Your $300/Hour Session

1. Pre-Session Preparation

Before your call, you’ll have an opportunity to submit relevant documents along with your main questions or concerns. This ensures Natalie reviews your situation in advance and

uses your time effectively.

2. In-Depth Analysis

During your session, Natalie conducts a detailed review of your student loan portfolio, finances, and background. She applies her expertise in student loan discharge, bankruptcy strategy, default navigation, and administrative relief to analyze your situation thoroughly.

3. Personalized Strategic Guidance

This is not generic advice. Natalie provides:

Specific answers to your questions
A professional evaluation of your student loan discharge potential
A strategic breakdown of your strongest relief options
Insight into how courts, servicers, and lenders typically respond
A clear explanation of your risks, opportunities, and next steps

If you need help with student loans in New York, we can assist you. We offer guidance on bankruptcy, managing defaults, and finding forgiveness options. You will receive expert support.

4. Clear, Actionable Next Steps

You’ll leave your session with a structured plan. This may include:

Steps to pursue a student loan discharge

Documentation you should gather

Guidance on using our Online Course effectively

Options for administrative or repayment-based relief

Recommendations specific to your state and circumstances

5. Empowering Insights

Natalie breaks down complex legal and financial concepts into clear, understandable guidance—giving you the confidence to move forward.

These sessions are great for borrowers with federal or private loans. This applies whether you are in NYC, Long Island, Westchester, or anywhere in the U.S.

Beyond the Basics: High-Level, Nuanced Analysis

Natalie’s expertise extends far beyond what you’ll find in general online resources. With over 12 years focused on student loan discharge and debt relief, she shares insights only a true expert can offer

Refined Undue Hardship Analysis

She knows the specific factors that affect how judges interpret the Brunner Test. This helps you create a stronger argument for discharge.

Strategic Navigation of the Adversary Proceeding

If you’re exploring student loan bankruptcy options, Natalie helps you anticipate challenges, understand timelines, and prepare strategically.

Comprehensive Evaluation of All Relief Pathways

Natalie helps you find the best way forward. This could be through bankruptcy, PSLF, administrative discharge, or a mix of these options.

Local New York Insight + National Guidance

While she works with borrowers nationwide, her deep experience in:

New York City
Long Island
Westchester

gives her unique insight into local court trends and issues that may impact your case. If you are looking for an expert who offers strategic support like top legal help, these sessions are a great investment.

Private Student Loan Relief Options

Private Student Loan Relief Options provide borrowers with strategic, non-federal pathways to manage, reduce, or eliminate private student debt through negotiation, settlement, hardship-based payment relief, lawsuit defense, and, in some cases, bankruptcy discharge. Because private lenders are not required to offer income-driven repayment, forgiveness programs, or disability protections, borrowers often face rigid terms and aggressive collection tactics.

This service gives you a clear, expert-guided approach to navigating those challenges, protecting co-signers, and pursuing meaningful relief when private loans become unmanageable.

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FAQs

What is an “Adversary Proceeding” in student loan discharge in bankruptcy?

An Adversary Proceeding is a court case within a bankruptcy filed by the debtor asking the court to discharge student loans — often to satisfy the “undue hardship” test. It involves legal filings, hearings, and evidence. Float Debt Solutions helps clarify if this fits your situation
What does the “Undue Hardship” test mean for student loan discharge?

The Undue Hardship test (such as the Brunner Test) is a legal standard used by many courts to evaluate whether repaying student loans would leave someone unable to maintain a minimal standard of living now and in the future. It involves strict criteria.
What do I get in a Float Debt Solutions strategy session with Natalie Jean-Baptiste?

In your one-hour session, you’ll submit your documents beforehand, walk through an in-depth analysis of your student loan portfolio, and get personalized guidance on whether to pursue bankruptcy discharge, forgiveness, or other relief tailored to your goals.
Who should consider booking a Coaching & Consulting session from Float Debt Solutions?

If you’ve already tried general student loan solutions but have complex circumstances, or you’re unsure whether you meet the undue hardship standard, then this strategy session is right for you. You’ll benefit from Natalie’s expert insight.
Is Coaching & Consulting limited to people in New York?

Although Natalie Jean-Baptiste is a student loan attorney based in NYC, Long Island, and Westchester, the strategy sessions are available nationwide. You can still get guidance tailored to your state’s rules and proceedings.
How much does a strategy session cost, and what value do I receive?

The session is $300/hour. You’ll get expert legal insight from Natalie, clear action steps, answers to your specific questions, and a personalized strategy for dealing with your student loans — not just general advice.