Discharging Student Loan Debt
Erasing Student Loans Through Bankruptcy
Student loans can be discharged through bankruptcy contrary to popular belief. While the process can be complicated, our professional legal staff will work with you one-on-one to ensure you make all the right steps.
Firstly, you’ll need to prove that those debts are causing you an undue hardship as determined by the Brunner Test administered in many courts. You’ll also need to meet following criteria:
- You’ve made a good faith effort to repay the loans and have made loan payments
- You can’t maintain a minimum standard of living for you or your dependents if you’re ordered to repay the student loans
- Your financial situation won’t improve for the foreseeable future
It’s also important to note that not all courts use the Brunner Test and may have other criteria for determining the ability to discharge your student loans. It is a heavy burden to discharge student loan debt.