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Bankruptcy and Student Loans: Are They Included in Bankruptcy?

Discharging student loans from a bankruptcy is rare, but possible. If a debtor can successfully prove undue hardship, a student loan could be added to the bankruptcy.

Qualifying for Student Debt Forgiveness

The Brunner standard is often used as a test to determine if student loans qualify for discharge. These requirements need to be met:

1. You cannot maintain a minimal standard of living for you and your dependents if forced to repay your student loans.

2. Your current financial circumstances will likely continue for the majority of your repayment period.

3. You have made a good faith effort to pay back your loan.

Speak to an attorney specializing in student loan forgiveness for answers regarding your unique circumstances.


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