Death, Disabilty and Bankruptcy in NYHELPs

Contact either HESC or Firstmark Services immediately to discuss your account if the student, borrower, or cosigner:

  • has died;
  • becomes totally and permanently disabled; or
  • has filed for bankruptcy.


HESC: 1-866-312-9449 or This email address is being protected from spambots. You need JavaScript enabled to view it.
Firstmark: 1-888-538-7378 or This email address is being protected from spambots. You need JavaScript enabled to view it.

A NYHELPs loan may be discharged if while in school, the student dies or becomes totally and permanently disabled.

A NYHELPs loan may be discharged if the borrower dies while on active military duty.

If you file bankruptcy and you are able to prove undue hardship in court, your loan may be discharged.