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Attorney Natalie Jean-Baptiste

Attorney Natalie Jean-Baptiste

Bankruptcy Attorney

Natalie Jean-Baptiste is a New York bankruptcy attorney focused primarily on providing debt relief to student loan borrowers. To date, she has helped her clients wipe out nearly $1 million of student loan debt through the bankruptcy process and other administrative tools. Prior to launching her own practice, Natalie worked for many years in the music industry where she handled various contracts for superstar acts like Alicia Keys & Janet Jackson. She is a member of the National Association of Consumer Bankruptcy Attorneys and the American Bankruptcy Institute.  Natalie earned her undergraduate degree from Fordham University, where she majored in Communication and Media Studies and minored in Business Administration, and her J.D. from New York Law School.   When she’s not assisting student loan borrowers, Natalie enjoys planning parties, going to the beach, Thai food, 80s music and spending time with friends and family.

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Articles written by Attorney Natalie Jean-Baptiste

Student Loan Deferment vs. Forbearance: What’s the Difference?

Written by Attorney Natalie Jean-Baptiste
Updated September 6, 2023

Student loan forbearance and deferment both provide temporary relief for student loan borrowers who can’t afford their monthly federal student loan payments. When money is tight, you can use deferments and forbearances to temporarily pause student loan repayment until your financial situation improves. The key difference between student loan deferment and forbearance is the way the interest is treated. The federal government pays the interest on subsidized student loans in deferment. In forbearance, the borrower is ultimately responsible for paying the accrued interest.

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can't access their basic rights when they can't afford to pay for help. Combining direct services and advocacy, we're fighting this injustice.

To learn more, read why we started Upsolve in 2016, our reviews from past users, and our press coverage from places like the New York Times and Wall Street Journal.