Law Offices of Ronald J. Kim, PC

Buried in Student Loan Debt?

Just got out of school and can’t find a job?  Have you been out for awhile, but now can't pay your student loans because of a job loss or lower income?   Is your student loan deferment period over?  Are student loan debt collectors harassing you?  Do you fear a wage garnishment or a bank freeze because you are now in default on your student loans?  

If your student loans are overwhelming you, Ron wants to help.   There are payment options that he will review with you that may dramatically reduce your monthly payments on your student loan.   If you are in default on your student loan he will design a plan to get you back in good standing at the lowest possible rate and he will protect you from harassing student loan debt collectors. 


Call Ron now at


7 Wells Street, Saratoga Springs, NY, 12866


Ron has successfully advocated for his clients in many of the following Courts during his twenty-plus year career:

Town/City Courts of: Albany, Altamont, Amsterdam, Argyle, Ballston, Ballston Spa, Berne, Bethlehem, Bolton, Brunswick, Cambridge, Charlton, Chester, Clifton Park, Cohoes, Colonie, Coeymans, Corinth, Day, Delaware, Dresden, Duanesburg, East Greenbush, Easton, Edinburg, Fort Ann, Fort Edward, Fulton, Galway, Glens Falls, Glenville, Gloversville, Grafton, Granville, Greene, Greenfield,  Greenwich, Guilderland, Hadley, Hague, Halfmoon, Hampton, Hartford, Hebron, Hoosick, Horicon, Hudson, Hudson Falls, Jackson, Johnstown, Johnsburg, Kingsbury, Lake George, Lake Luzerne, Malta, Mechanicville, Menands, Milton, Montgomery, Moreau, Nassau, New Scotland, Northumberland, Providence, Putnam, Queensbury, Rensselaer, Rensselaerville, Rotterdam, Salem, Saratoga, Saratoga Springs, Schenectady, Schoharie, Schodack, Scotia, Stillwater, Stony Creek, Thurman, Troy, Ulster, Voorheesville, Warren, Warrensburg, Washington, Waterford, Watervliet,  White Creek, Whitehall, Wilton.  

State Supreme Courts of: Albany, Rensselaer, Saratoga, Schenectady, Warren and Washington.

United States Federal Courts: Northern District of New York, Bankruptcy Court for the Northern District of New York, District of Massachusetts,  and U.S. Court of Appeals for the Second Circuit.