I understand but these loans may be discharged in bankruptcy if:

1. The student loan may be discharged if it is neither "insured or guaranteed by a governmental unit" nor "made under any program funded in whole or in part by a governmental unit or nonprofit institution."

2. The student loan may be discharged if paying the loan will "impose an undue hardship on the debtor and the debtor's dependents."

1) if the loan is a department of education loan it will be noted on the loan papers you received. You would have to contact the lender to learn whether the loan is funded by a non profit.

2) if you did in fact have a co-signor that person would be obligated to pay on the loan in the event of your default, but the existence of a cosignor does not mean you cannot discharge the debt in bankruptcy. It does however mean that the creditor can come after the cosignor after your bankruptcy is filed.

Unfortunately,per JA rules we as experts are not permitted to initiate attorney-client relationships via the JA forum.

Please feel free to contact me via Just Answer. In the subject line of your post, just type "for RHolloman"