Student Loan Mediation

On January 27th, 2020, the Student Loan Mediation Before Litigation Program Procedures were officially adopted. This was a general order granted by the Honorable Cecelia G. Morris, Chief United States Bankruptcy Judge.

“Many student loan borrowers file bankruptcy cases based in part on financial difficulties repaying their student loans. Many borrowers are unaware of the available options for student loan modification. To facilitate the resolution of student loan issues for the benefit of debtors and lenders, effective January 27, 2020, the United States Bankruptcy Court for the Southern District of New York prescribes the following district-wide program for debtors and their student loan lenders to seek repayment options through a student loan mediation before litigation program (“SLM” or “SLM Program”).”

United States Bankruptcy Court, Southern District of New York

This student loan mediation program is only available in the Southern District of New York; the same district that Todd Cushner & Associates, P.C. practices law within.


Any debtor with a student loan and a pending case before the United States Bankruptcy Court for the Southern District of New York is eligible to participate in the Student Loan Mediation Program. Eligibility is also dependent upon the certification that the debtor submitted an application for Student Loan Repayment Option relief using a Student Loan Application; and that after mailing the application to the creditor, no response was received for at least 45 days. You may also be eligible if a response was received but showed inconsistencies when compared to the results provided by the Student Loan Application.

Student Loan Forgiveness

When Can You Request Student Loan Mediation?

Student Loan Mediation can be requested before filing an adversary proceeding to determine a dischargeability dispute, but no later then the filing of an answer or a motion permitted by Federal Rule of Bankruptcy Procedure 7012.

Student loan debt

How Can I Request Student Loan Mediation?

With over 18 years of Bankruptcy law litigation, Todd Cushner, Esq. has the knowledge and experience necessary to help you successfully request Student Loan Mediation. If you live in the Southern District of New York and you’ve been struggling to pay off your student loans, Todd Cushner & Associates, P.C. will work with you to get out of debt.

Contact us today for a free phone consultation so we can help you to get started.

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