What You Need to Know About Educational Benefit to Get Your Some or All of Your Student Loans Discharged in Bankruptcy

Well Jason Iuliano has done it again and published another paper which will help to change the course of dealing with student loans and bankruptcy. Iuliano’s information is of most importance to those attempting to seek a discharge of student loan debt that is not protected in bankruptcy. You can see this post for more … Read more

Attorney General Proves Student Loan Debt Can Be Wiped Out in Bankruptcy

Maura Healey, Massachusetts Attorney General, announced last month that her office is partnering with the Massachusetts Bar Association and the Greater Boston Chamber of Commerce to organize volunteer lawyers to represent distressed college debtors in bankruptcy. This is a VERY BIG DEAL for a least four reasons: Dispelling the myth that student loans can’t be … Read more

Attorneys Need to Stop Saying Student Loans Can’t be Discharged in Bankruptcy Because Sometimes They Can Be


Too many Americans are going to court without lawyers. As Lauren Sudeall Lucas and Darcy Meals noted in an essay in The Conversation, 80 to 90 percent of people in some states are litigating their cases without attorneys, even when their opponents have legal counsel. In Georgia, the authors reported, courts heard 800,000 cases last … Read more

Brunner Test Needs to Die Say These Heroes in Student Loan Bankruptcy Discharge

On July 29, 2015 the National Consumer Law Center (NCLC) and National Association of Bankruptcy Attorneys (NACBA) jointly filed a court document arguing a position in support of discharging student loans through the bankruptcy laws. Much thanks to the readers and tipster who slipped me the document. The matter of dealing with overwhelming student loan … Read more

Another Consumer Nukes Their Student Loans Through Bankruptcy

A reader contacted me to share his story of dealing with his unmanageable student loans through bankruptcy. Just recently I’ve written two articles that showed how people have fought the battle against their student loan companies and the bankruptcy court agreed to eliminate their debt. Read this and this. The cases of consumers making there … Read more

Will You Finally Be Able to Get Rid of Your Student Loans in Bankruptcy?

This week the White House announced a new Student Aid Bill of Rights, which aims to help federal student loan debtors with better options and more clarity in dealing with their problem student loans. While most of the new initiatives announced are geared toward eliminating unnecessary payment hurdles and make dealing with federal student loan … Read more

Federal Student Loans Discharged in Bankruptcy. A Look at the Surprising 2012 Data and Cases.

The more I research and study the reality of dealing with student loans through bankruptcy the more I am under the opinion the data does not support the assumptions many have that no good options are available in bankruptcy for student loans. In fact my research appears to show that even for government backed student … Read more

How to Really Discharge Your Student Loans in Bankruptcy. Many Can. But Never Try.

For years we’ve all heard the same message that it’s near darn impossible to discharge student loans in bankruptcy. We’ve heard that the undue hardship standards make it so onerous that expecting a student loan discharge is all but an act of God. But what if that belief was actually more myth than fact? Recently … Read more