341 Hearing – What Is It?:
Basics on Surrendering a Car:
Car Repossession Timeline and Surrendering Timeline:
Chapter 13 Bankruptcy Basics:
Chapter 13 – Keeping Cars:
Chapter 13 – Keeping Homes:
Chapter 13 – Taxes Dischargability/ Dealing with Taxes:
Chapter 7 & Chapter 13 Differences:
Chapter 7 Bankruptcy Basics:
Chapter 7 – Taxes Dischargability:
Child Support – Treatment in Chapter 7 and Treatment in Chapter 13:
Confirmation Hearing:
Consultations - The Basics:
Credit Reports:
Creditor Harassment and Resources:
Do I Need an Attorney?:
Exemption Limits:
Foreclosure Timeline:
Garnishments – How They Work:
How does Bankruptcy & Debt Consolidation Differ?:
How Long Until Court?:
How Long until I can File
Keeping Cars – Chapter 7:
Keeping Homes – Chapter 7:
Preparing for Consultations:
Reaffirmation Agreement Basics:
Redemption:
Should I File a Chapter 7 or Chapter 13?:
Student Loans:
The Basics for Surrendering a Home:
This page has a pdf attached:
Timeline for a Chapter 13 Bankruptcy:
Timeline for a Chapter 7 Bankruptcy:
What are Priority Debts? :
What are Un-secured Debts?:
What can be done about Creditor Harassment?:
What can be done with an ARM (Adjustable Rate Mortgage)?:
What Debts Cannot be Discharged by Bankruptcy?:
What Happens to Garnishments? :
What Happens to Judgments?:
What is a Discharge:
What is a Trustee
What Property Can I Keep?:
Where do Bankruptcy Hearings Take Place:
“Automatic Stay” Order:

Student Loans

Regardless of which chapter of bankruptcy you file, student loans are not dischargeable. In a Chapter 7, student loans are listed for notice requirements but are not discharged through the bankruptcy filing. In a Chapter 13, student loans take as class 4 or any other un-secured, non-priority, creditor such as Visa would take through the plan but have their balances intact at the end of the plan. Under the old bankruptcy code, student loans were not dischargeable. Under the new bankruptcy laws, student loans are defined as anything or any loan that is educational in nature. As such, any loan, whether private or government that is educational in nature, will survive a bankruptcy filing.

If you find yourself with the inability to pay on your current student loans, you may wish to call your lender and avail yourself of the processes of deferment, hardship or through payment restructuring.