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DearCustomer- There is no legal term "regular debt". A debt is a debt however there are secured and unsecured debts. A real estate mortgage or car loan would be examples of secured debts and a credit card debt or student loan would be unsecured debts. A student loan does not change in nature when it goes into default so it is the same debt as before.
You can be sued for the student loan debt just as you can a credit card or any other debt. Most student loans cannot be discharged in bankruptcy just as other types of debts such as child support. Beyond that I'm not sure how else to explain my answer. I'm just not certain how you may have thought the student loan became something different after it went into default.
Well the bankruptcy will not help the student loan debt since virtually no student loans are dischargerable. You definitely should check with your bankruptcy attorney to see if there is a possibility that it could be discharged.
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