How Do You Get Student Loans Discharged Or Forgiven?

Getting a loan forgiven requires a lot of dedication and time, and is still pretty unlikely to occur. One major change that occurred in 2005 when the U.S. Bankruptcy Code was overhauled was that in only the most narrow of circumstances will a debtor be permitted to get a student loan discharged. Bankruptcy is not a realistic option to having your student loan forgiven.

In 2005, major changes to the U.S. Bankruptcy Code governing the discharge of student loans were enacted by Congress and signed by President George W. Bush. These new laws make student loans non-dischargeable, unless you, as the debtor, can prove to the Bankruptcy Court that repaying the loan will prove to be a 'substantial hardship' on you as you embark on a fresh financial start post-bankruptcy.

Meet with an experienced bankruptcy attorney to discuss your options and determine if your situation could be construed as a 'substantial hardship.' Because the definition of that term is so narrow, chances are your situation ... more.

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