Generally, you cannot discharge your student loans in bankruptcy. There is an exception for hardship but the definition of hardship is so narrow, the exception rarely applies.
To make matters worse, the time limits for collecting delinquent student loans have been eliminated. Collection efforts will follow you for years and years.
The National Consumer Law Center established the Student Loan Borrower Assistance Project (SLBA), the premier Internet site for student loan borrowers. There you will find information on repayment options for borrowers who are unable to pay their student loan contract payments.
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