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Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
It sounds like they would be charging you to file an adversary objection to determine if the student loan would be dischargeable.
The starting point is that they are not, absent exigent circumstances.
To discharge educational debt, you have to prove that repayment is an UNDUE hardship.
to win, you would need to show, you made a good faith effort to pay them in the past.
Also, that you have no present ability to pay them
Finally, that you have no future likelihood to pay.
The last point is the hardest.
Since you did chapter 7 before, you are not eligible to file again until 8 years from that date of filing that case.
Even if the loan was 'included' - to discharge them in the last case would require a trial to prove the above 'undue hardship' test.
Your options now are to work out a repayment agreement, discuss with them your current hardships, and you can also do chapter 13, which is a debt repayment plan.
Let me know what questions you have.
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