Student Loan Discharge
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
How it works
Four steps from your first call to a fresh start. We do the heavy lifting at each one.
Free consultation
We review your loans, income, and history over phone or Zoom.
Hardship analysis
We assess your situation against the current undue-hardship guidelines.
We file
We file your bankruptcy and the required adversary proceeding to seek discharge.
Relief
The court can discharge or reduce your student loan debt.
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.