Student Loan Discharge Lawyer
Recent legal changes have made it possible to discharge federal student loans through bankruptcy. We can evaluate your eligibility.
A real path to relief
New DOJ guidelines have reopened student loan discharge for many borrowers. We handle the undue-hardship analysis and the paperwork.
How we can help
- Undue hardship analysis
- Federal student loans eligible
- New DOJ guidelines in your favor
- Clear, honest read on your odds before you file
Good to know
- Federal student loans can be addressed
- We file the required adversary proceeding for you
- An honest read on your odds before you commit
- Partial discharge or better terms may be possible
The Student Loan Discharge Roadmap
Every step from your first call to the court wiping out your loans.
-
1
Step 1 of 9
Free consultation
Phone or Zoom, zero obligation. We review your loans, your income, and what you have already tried.
-
2
Step 2 of 9
We confirm your loans qualify
Federal student loans are eligible. We check the type and status of each loan you carry.
-
3
Step 3 of 9
The undue-hardship review
We measure your income, expenses, and circumstances against the current DOJ guidelines and give you an honest read on your odds before you commit.
-
4
Step 4 of 9
We file your bankruptcy
Chapter 7 or Chapter 13, whichever fits your situation. This opens the door to discharging the loans.
-
5
Step 5 of 9
We file the adversary proceeding
The separate lawsuit inside your bankruptcy that actually asks the court to wipe out the student loans.
-
6
Step 6 of 9
The attestation form
We complete the government's standardized form documenting your income, expenses, and hardship. This is what the DOJ reviews.
-
7
Step 7 of 9
DOJ and lender review
The Department of Justice and your loan holder review your attestation and decide whether to agree to a discharge.
-
8
Step 8 of 9
Negotiation or hearing
Many cases settle by agreement. If yours needs it, we argue your case in front of the judge.
-
9
Step 9 of 9
Discharge
The court wipes out your student loans, or grants a partial discharge or easier terms. A real fresh start.
Student Loan Discharge questions
Can student loans really be discharged in bankruptcy?
Yes. Recent Department of Justice guidance has made discharge realistic for many borrowers with federal student loans.
How do I know if I qualify?
It comes down to an undue-hardship analysis of your income, expenses, and ability to repay. We will give you an honest read before you commit.
Do I have to file bankruptcy to discharge my loans?
Yes. The discharge happens through a bankruptcy case and a related filing called an adversary proceeding, which we handle for you.
What if I only qualify for partial relief?
Even a partial discharge or reduced terms can make a real difference. We pursue the best outcome available in your situation.