Student Loan Help for the People Who Keep Albany Running
Teachers, nurses, firefighters and social workers. We start with the free federal options, then help with the paperwork.
Which Federal Paths Should You Look At?
Answer five questions. You get the programs worth checking and where to apply for free. Nothing here is saved or sent. Rules changed in 2025 and 2026, so confirm every step on StudentAid.gov.
Who Comes Through Our Door
Tap a photo. Your site shows your own clients, with their okay.
The Free Tools Come First. We Say So Out Loud.
Student loan help has a lot of companies charging for forms that cost nothing. Here is how we work.
- No upfront feesThe plan review is a flat fee paid after the meeting, never before.
- StudentAid.gov is freeEvery federal program we name, you can apply for there yourself. We show you where.
- Not the governmentWe are not affiliated with the U.S. Department of Education or any loan servicer.
- Your login stays yoursWe never ask for your StudentAid.gov password. We sit with you while you log in.
In the Capital Region
In person on Lark Street, or by video if you live farther out.
212 Lark St, Albany, NY 12210
Ground floor of a rowhouse, two steps up. Street parking on Lark and Chestnut.
Weekdays 10 to 7, so you can come after a shift. Saturday mornings by appointment.
help@larkstreetloans.example
From Teachers, Nurses and Firefighters
Eight years of payments and I had no idea which ones counted. She went through all of them with me and found my old loans needed to be consolidated.
Rachel K. Delmar
He told me up front that everything could be done free online. I still wanted help with the forms. No pressure at all.
Andre M. Troy
Night shift nurse. They met me at 6 on a weekday and got my employer form sorted.
Priya S. Latham
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
Fair Questions
Can't I do all of this myself on StudentAid.gov?
Yes. Every federal program on this page is free, and you can apply for all of them yourself on StudentAid.gov. People come to us when the forms stall, when an employer won't certify, or when they want someone to check their count of payments.
Are you part of the Department of Education?
No. We are a private office on Lark Street. We are not affiliated with the U.S. Department of Education or with any loan servicer. We can't change your loans. We help you use the programs that already exist.
Does my job count for Public Service Loan Forgiveness?
It counts if you work full time for a government employer or a 501(c)(3) nonprofit. Public schools, SUNY, state and city agencies and most nonprofit hospitals qualify. Check your employer with the PSLF Help Tool on StudentAid.gov.
Do you charge before you help?
No. There are no upfront fees. The plan review is a flat fee paid after the meeting, only if you found it useful. We never ask for your StudentAid.gov password.
The rules keep changing. How do you keep up?
Plan names and rules changed in 2025 and 2026, and they may change again. We check StudentAid.gov every week and tell you what we know and what is still unsettled. We don't guess.
Bring Your Last Statement
A free 20 minute call tells you which path to look at first.