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Can student loan debt be discharged in bankruptcy?

For many Americans, student loans are a source of considerable anxiety and uncertainty. Unfortunately, some people in this position do not understand their options or have any idea of which steps to take next. However, in Tampa, Florida, and throughout the country, it is very important for anyone who is struggling with overwhelming debt to closely review their situation and do everything they can outline the best path forward. While some people may feel hopeless with regard to their student loans, they could be able to enjoy the peace of mind that comes with tackling debt and should try to address their student loans as soon as possible.

According to the Higher Education Services Corporation's website, student loan debt usually can't be discharged by filing for bankruptcy. However, if someone can prove that repaying their student loans would cause an undue hardship, they may be able to discharge their student loan debt in a Chapter 7 or Chapter 13 bankruptcy. Although it isn't impossible, discharging student loan debt by filing for bankruptcy can be complicated and HESC recommends that people talk with an attorney to understand how filing a bankruptcy petition could have an impact on their student loans.

By taking the proper approach and remaining committed to dealing with their financial challenges, some people who are struggling with unbearable student loan debt are finally able to experience the benefits associated with a fresh financial start. Please remember that this information does not constitute legal advice and was only put together to help those struggling with student loan debt.

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  • The process of going through bankruptcy could be very overwhelming but Tim made me feel at ease and I felt that my needs were being taken care of. I truly feel that he had my best interests in mind and the lines of communication were always open....
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  • He was honest, straightforward, and hard-working. In my case I ended up with some extenuating circumstances and he handled the matter professionally even though I'm sure the work probably exceeded what he originally felt it would be....
  • I don't ever write reviews, and I had no prior relationship with Mr. Sierra. This review is simply being written as a service to others that Mr. Sierra is an excellent attorney and should be considered for your needs if you need one....
  • "I'm very happy to have been referred to Tim for my Chapter 7 filing. He was knowledgeable in his field and very responsive in replying to any questions or concerns I had. Tim was also very accommodating with meeting times..."
  • " I recently was in need of Mr. Sierra's services and I found him to be very understanding and helpful in my particular circumstance. He met with me and explained everything in full detail and also answered every question that I had....."
  • " I recommend Timothy Sierra a loyal and dependable lawyer. When you talk to him you feel that you are with a friend or a member of your family. Timothy is able to lead you in every step of the process. Good job Timothy."
  • " Bankruptcy is a private and personally devastating life event. Timothy Sierra and his assistant, Nancy, made the process as painless as possible. They kept in close contact via phone and email so I always knew what was happening in my case...."
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