There is an important exception to the rule that student loans are not dischargeable in bankruptcy. Serious physical or mental disability is the most frequent basis for obtaining a “hardship” discharge of student loans. We have substantial experience with such cases. We are happy to give you our careful opinion on whether you have a case.
If you don’t qualify for the hardship discharge available for some student loans, there might be other strategies that we can recommend. If you have a serious disability, we can often show you how to obtain forgiveness of a subsidized student loan without filing bankruptcy. We have also developed strategies on ways to cope with private student loan debts.
Student loans are probably the toughest problem in a consumer bankruptcy case. We are happy to talk to you about your student loan problems. You can do some reading about discharging student loans in bankruptcy at A Human Guide to Bankruptcy.