Thank you for your question. I am happy to assist you.
Clauses that state that a debt is not dischargable in bankruptcy are not given any legal effect in a bankruptcy. Such clauses are void.
To protect your loan you could consider securing the loan against the house. You would then have a secured loan and, in the event of nonpayment, could foreclose against the house.
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THIS IS FOR INFORMATION ONLY. NO ATTORNEY-CLIENT RELATIONSHIP EXISTS. PLEASE CONSULT A LAWYER IN YOUR STATE FOR LEGAL ADVICE