What does chapter 7 bankruptcy do to my student loans?

In a large majority of cases, you will still owe your student loan debt after a Chapter 7 bankruptcy.

Generally, student loan debt is not dischargeable in a Chapter 7 bankruptcy.

However, there is a limited exception provided for in the case law that provides for a fact sensitive test. This requires a special adversarial proceeding to be filed and a hearing by the Bankruptcy Court.   This is a difficult standard to meet but sometimes it is worth investigating to see if you qualify.

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