Erie, PA asked in Bankruptcy for Pennsylvania

Q: How difficult is it to file bankruptcy for student loans? I have heard they do not count as a part of debt "forgiveness

I am seriously considering filing bankruptcy because my student loan payments are crippling and I cannot afford to pay them. I would be homeless and couldn't afford childcare or pretty much any other necessity. I have heard that filing for bankruptcy doesn't include student loans, but it never hurts to ask.

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2 Lawyer Answers

W. J. Winterstein Jr.

  • Bankruptcy Lawyer
  • Boyertown, PA
  • Licensed in Pennsylvania

A: To discharge, or reduce, any student loan debt, you must show "extreme hardship", and that bar is very high.

Timothy Denison

  • Bankruptcy Lawyer
  • Louisville, KY

A: Very difficult to discharge student loans absent a showing of extreme hardship.

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