It is usually very difficult to discharge student loans and generally only attempted in extreme circumstances. If you file Chapter 7 or Chapter 13 bankruptcy, you may have your loan discharged in bankruptcy only if the bankruptcy court finds that repayment would impose undue hardship on you and your dependents. This must be decided in an adversary proceeding in bankruptcy court. Your creditors may be present to challenge the request. The court uses this three-part test to determine hardship:
Your loan will not be discharged if you are unable to satisfy ANY ONE of the three requirements.
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