Student loans are one of the few types of common debt that are not dischargeable in bankruptcy.

If your student loans went to pay tuition, room & board, or school supplies, then that debt is probably not dischargeable in bankruptcy. However, in the rare case that you have loans that were for living expenses in excess of what it cost to attend school, then that amount may be dischargeable.

This is another “grey” area where you should speak with your attorney and show her your student loan documents. The specific language on those loan documents is important.  However, in general, most student loan debt is not dischargeable in bankruptcy because it covers just the cost of college attendance, not living expenses beyond that.

August 17, 2020

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