Can I Get Rid of My Student Loans in Bankruptcy?

    
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          Can I Get Rid of My Student Loans in Bankruptcy?
        
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Can I Get Rid of My Student Loans in Bankruptcy?
               
              Getting rid of student loans in bankruptcy is difficult -- but not always impossible. To succeed, you must convince the court that repaying your student loans would cause you "undue hardship."            

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by
		Albin Renauer
	
Albin Renauer has spent his career making consumer law information free and accessible to everyone. In the 1990s Albin worked with Nolo Press to invent WillMaker and LivingTrustMaker and ran Nolo website back in the DotCom era of Y2K.  In 2006, Albin launched LegalConsumer.com and the free Bankruptcy Means Test Calculator. Millions of consumers have used these FREE tools and information to learn about their rights under bankruptcy law.  For more than 30 years, Albin co-authored 22 editions of Nolo's bestselling guide How to File for Chapter 7 Bankruptcy from 1989 to 2023. Albin is currently exploring ways that AI can increase consumers' access to justice.

          Westport, MA Bankruptcy Home 
        
Jurisdictional relevance: There are versions of this article for each State.

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Westport, MA Bankruptcy ResourcesBristol County Bankruptcy Means Test CalculatorAutomatically apply the Bristol County expense standards, and Massachusetts income standards to your means test calculation.
Bristol County Bankruptcy CourtFind where to file if you live in Bristol County.
Massachusetts Bankruptcy Exemption LawsWhat property you can keep under Massachusetts and federal exemption laws.
From Other Websites:
  National Online Resources
                      
            Undue Hardship Attestation  Form            
                          
              www.justice.gov            
          Download the official justice department form here. In PDF form.

            Student Loan Discharge for Disabled Borrowers            
                          
              www.ed.gov            
          Over 323,000 borrowers who have a total and permanent disability (TPD) will receive more than $5.8 billion in automatic student loan discharges due to a new regulation announced today by the U.S. Department of Education.  The change will apply to borrowers who are identified through an existing data match with the Social Security Administration (SSA). It will begin with the September quarterly match with SSA.

            SAVE Repayment Plan Offers Lower Monthly Loan Student Loan Payments            
                          
              studentaid.gov            
          The Saving on a Valuable Education (SAVE) Plan, like other income-driven repayment (IDR) plans, calculates your monthly payment amount based on your income and family size. The SAVE Plan provides the lowest monthly payments of any IDR plan available to nearly all student borrowers. (August 2023.)