I’m Getting Married. We’ve Both Gone Bankrupt. Will We Be Able to Get Student Loans? – Shater

“Dear Steve,

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My fiance and I filled for chapter 13 bankruptcy, separately, in 2009. Both our plans have been confirmed, and we were looking to get married this year. If we get married so we have to file an adjusted plan with our attorney? Do they get merged? Also, my fiance is looking to attend college for the first time and was wondering if the current bankruptcy would affect his ability to receive a federal student loan.


Dear Shater,

Your Chapter 13 cases will not get merged. You should talk to your bankruptcy attorney about if a modification is due. I’ll ask some bankruptcy attorney friends to comment on this question.

As far as the student loans go, as a result of the Bankruptcy Reform Act of 1994, a student may not be denied government backed student loans, solely on the basis of a bankruptcy determination.

The best plan would be for him to talk openly to the financial aid office at the school and I seriously doubt the bankruptcy will be a factor at all.

Damon Day - Pro Debt Coach

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