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Student Loan
Relief
Student loans can feel impossible—especially when payments don’t match real life. While student loans are not automatically erased in bankruptcy, there are strategies that can help.
Student loans are treated differently than most debts. In many cases, they are not dischargeable unless you meet a separate legal standard—often called “undue hardship.”
DOJ Guidance
New Federal Guidance provides objective standards and streamlined processes for discharging student loans in bankruptcy.
According to an October 28, 2024 letter from Senators Warren, Durbin, Whitehouse, and Warnock, over 85% of borrowers using the new guidance received recommendations for either full or partial discharge.
Courts accepted those recommendations in 98% of cases.
How a Lawyer helps
A lawyer can help with student loans in a few very concrete ways—some are bankruptcy-related, and some aren’t. The right path depends on whether the loans are federal vs. private, whether you’re in default, and what relief you’re actually trying to achieve.
A lawyer can also help you avoid moves that accidentally hurt you (wrong consolidation timing, missing statute-of-limitations issues, signing bad settlements, etc.), and make sure paperwork and deadlines don’t sink you.
Having counsel helps you:
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determine what loans you have
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gather the right proof quickly
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present your case in a way decision-makers will accept
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stay compliant with timelines and procedural rules
DISCLAIMER:
This page is for educational information only and is not legal advice. Viewing this page or contacting Wright Law, LLC does not create an attorney–client relationship. Results depend on the facts of each case.