Student loans and Bankruptcy

Student loans are typically non-dischargeable in bankruptcy. Therefore after your bankruptcy case is over you will still be personally liable on your student loans and have to pay them.


In very rare cases student loans are discharged in bankruptcy. In order to discharge student loans in bankruptcy you must prove that the loans cause an “undue hardship.” This would involve a trial within the bankruptcy court, often referred to as an Adversarial Proceeding or “AP.”


Successful litigants are typically are currently not working and will be unable to ever again have gainful employment.