Large student loan debt, over my head.
Hi, A student loan is hard but not impossible to discharge thro
Hi,
A student loan is hard but not impossible to discharge through bankruptcy. You will need to prove that the debt will "impose an undue hardship on you and your dependants". Most courts use the Brunner test to evaluate 'undue hardship'. You will also need to show that you have made 'good faith efforts to repay the loans'.
You will also need to file a petetion called adversary proceeding to get a determination.
Hope it helps.
I have to disagree...it is next to impossible to have student lo
I have to disagree...it is next to impossible to have student loans discharged in BK.
Poster...have you consolidated your federal loans with the Direct Loan Consolidation program? That would at least allow you income based or income contingent repayment?
When did you attend ITT? Did you do research before you attended?? I collected back though out the 90's and we knew then it was a crappy school.