StudentLoansDischarged.com — Student Loan Discharge

The Basics

What Is Student Loan Discharge, and How Does It Work?

01What does it mean to "discharge" a student loan?

02Why would I need to file for bankruptcy just to get my student loans discharged? Can't I just ask for forgiveness?

03What exactly is bankruptcy? I've always been told to avoid it at all costs.

04Are student loans normally dischargeable in bankruptcy? I thought they were impossible to get rid of.

The Legal Process

How Does the Bankruptcy and Discharge Process Actually Work?

05What is the difference between Chapter 7 and Chapter 13 bankruptcy?

06I filed for bankruptcy — does that automatically discharge my student loans?

07What is an "adversary proceeding" and why does it matter?

08What does "undue hardship" mean, and how do I prove it?

09How long does the entire process take?

10Are all types of student loans eligible for discharge?

Effects of Bankruptcy

What Will Bankruptcy Actually Do to My Life?

11Will bankruptcy ruin my credit permanently?

12Will my employer find out? Could I lose my job?

13Will I lose my home, car, or other belongings?

14What happens to my other debts — like credit cards and medical bills — when I file?

15What happens the moment I file? Will collection calls and garnishments stop immediately?

Getting Started

Am I Eligible? What Should I Do Next?

16How do I know if I might qualify for student loan discharge?

17What does a bankruptcy filing cost, and can I afford it?

18My loans are already in default or my wages are being garnished. Is it too late?

19I filed for bankruptcy years ago and my student loans weren't discharged. Can I still try?

20How does studentloansdischarged.com help me figure out if this is right for me?

Prior Filers

I Already Filed Bankruptcy — Now What?

21I filed for bankruptcy years ago and my other debts were wiped out — but nobody told me I could try to discharge my student loans too. Did I miss my chance?

22I completed my bankruptcy years ago and have been paying my student loans ever since. Can I really go back and try to discharge them now?

23My bankruptcy discharge says my student loans were "not discharged." Does that mean a court already decided I didn't qualify?

24I've been making payments on my student loans since my bankruptcy but I'm still barely making a dent. Does that hurt or help my case?

25What is the very first step I should take if I filed bankruptcy before and still have student loans?

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