Student loans, like alimony, child support, and federal tax arrears, are frequently exempt from chapter 7 discharge. This means that technically, student loans cannot be discharged in bankruptcy.
Believe it or not, there is genuinely sound reasoning behind this. The additional security provided by the inability to declare insolvency on student loans makes lenders more eager to lend to students, increasing the likelihood that more people will obtain a college degree and earn a higher income in the future as a result of these additional qualifications. Reducing the number of lenders willing to help students would drastically reduce the number of individuals who could attend college.
Of course, there are exceptions to every rule. There is a possibility that an exception will be declared and your student debt will be discharged if you can demonstrate undue hardship and are in a situation so dire that you cannot pay back the loan while maintaining a minimal standard of living, and if a sympathetic judge is presiding over your case.
To qualify for this, you must demonstrate that you have tried and failed (and tried very hard) to repay your debts, and that you are still unable to do so.
In the event that this does not work, you could attempt to obtain an administrative discharge. Yes, the odds of acquiring this are minimal, but you have nothing to lose by trying. Under certain conditions, such as being permanently disabled, this may be granted. Moreover, enlisting the Peace Corps or the military can help eliminate debts.""
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