NYC Financial Empowerment Centers are run by the Department of Consumer and Worker Protection in partnership with community-based organizations. Counselors are trained to help students (prospective, current, former):
create a budget to pay for school;
understand and explore student loan options, including dealing with old unpaid student loans from a previous enrollment and/or taking out additional student loans;
handle student loan debt in collections;
enroll in income-driven repayment plans to lower monthly payments (federal student loan holders only);
explore loan forgiveness;
understand loan discharge options;
get out of student loan delinquency or default.
Counselors can also make referrals to nonprofit legal services providers as needed.