Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Generally all educational debts are not dischargeable.
If they were acquired thru your educational institution, or were used for books, etc. then they will usually be not discharged in the case.
The loan documents itself may indicate that they are to be used for educational related expenses.
Room and board counts as 'education'
You can file an adversary objection in your bankruptcy case if the documents are silent to this matter, and you can prove that they weren't used for any educational purpose.
However, it's an uphill battle.
over the past 15 years, Congress has made it increasingly more difficult to discharge these types of debts.
the main exception is to show that the loans are an undue hardship.
This is extremely difficult to prove.
Thanks. I see that there is a bill that was introduced about this. Any chnace it could come into play anytime soon?
You have to show you have no current ability to pay, and no future ability to pay.
always a chance.
Call your congressman and urge them to sign it into law
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