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Student Loans

Can I discharge my student loan?

Yes. If you are eligible, you may be able to get certain federal student loans discharged through Chapter 7 or Chapter 13 bankruptcy. After you file your bankruptcy case, you must take an additional step to start an adversary proceeding to have your loans discharged. Department of Justice guidelines from Nov. 2022 have streamlined and simplified this process. It’s now possible for most filers with federal student loan debt to do this on their own without hiring a lawyer to help. To be eligible under the new guidance, your loans must be federal Direct Loans or Direct Consolidation Loans held by the Department of Education. Also, you must be able to show that you are unable to make payments but have made a good faith effort to do so in past years.