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So what exactly constitutes an undue hardship when it comes to getting your student loans discharged.
In that case, the bankruptcy court would probably make you keep the student loan debt.
Part of this is due to the rising costs of college tuition and part is due to the number of people attending college.
This type of bankruptcy makes it possible for most of your consumer debt like credit cards, store accounts and medical debt to be completely wiped out.
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Without getting some kind of education after high school your chances of getting a good job or making a decent wage decrease dramatically.
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For example, if you ve graduated and now have a good job and have been building a good credit history, your credit score may have improved.
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If you instead file for a chapter 7 bankruptcy, you may be able to have your debts discharged.
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Your bankruptcy trustee will collect a payment from you each month and then pay your creditors for you.
Consolidation is similar to refinancing a loan. Consolidating federal student loans may be a good strategy to lower monthly payments or to get out of default, but it
The exception to this is if you become permanently disabled.
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There is no specific answer to that question, but you should have a very difficult financial situation if you want to have a hope of getting your student loans discharged.