Student loans can be discharged in bankruptcy.
Most people don't know that.
For decades, student loans were treated as impossible to discharge. That's changed. StudentLoansDischarged.com helps people who cannot repay navigate the legal process — with an attorney guarantee backing every case we accept.
Free · About 5 minutes · No personal data to start
of borrowers who attempted discharge succeeded in full or in part — research by Prof. Jason Iuliano, 2000–2019
Myth vs. fact · 45 things most people don't know
Attorney fees for a student loan adversary proceeding can sometimes be recovered from the opposing party if the lender's litigation conduct was unreasonable — though this is fact-specific.
For decades, student loans were treated as impossible to discharge. That's changed — and most borrowers don't know it yet.
The test
Courts weigh three things
So does our screening. None of these require a perfect record — they ask whether repayment is genuinely out of reach, and whether that is likely to stay true.
- 01
Your basic needs come first
If repaying your loans makes it impossible to cover essential expenses — housing, food, utilities, healthcare — that is the foundation of a discharge case.
- 02
Your situation is unlikely to improve
A discharge is more likely when hardship is long-term or permanent, due to disability, chronic illness, age, or circumstances that won't change significantly.
- 03
You've made reasonable efforts to repay
Courts look at whether you've made payments, applied for income-driven repayment, or otherwise tried to manage your loans — even if you couldn't keep up.
The program
One flat fee, set in writing before you pay
We pursue discharge of up to $120,000 in student loans. Balances above that are evaluated individually.
All terms are in writing before you pay anything.
- Free screening. About 5 minutes, no personal data required to start.
- Licensed in California, Nevada, and Arizona.
- No obligation unless you choose to submit your information.
The scale of it
You are not an unusual case
Approximately 45 million Americans carry student loan debt, with a combined balance exceeding $1.7 trillion as of 2024. Fewer than 1 in 1,000 bankruptcy filers even attempt to discharge their loans — despite the fact that roughly 40% of those who try succeed in full or in part.
The questions we get mostNo obligation
Find out where you stand
The screening takes about five minutes and tells you whether a discharge case is worth pursuing. There is no obligation unless you choose to submit your information.