The reality of a monthly student loan bill can be the harsh price of education. Your current income may not meet the expectations you had in college. And a challenging job market doesn’t help. If student loans are adding to your predicament, bankruptcy may allow you to reorganize your debt.

Newport Law attorneys can help you understand your dischargeable and nondischargeable debt. We will evaluate the terms of any potential bankruptcy and identify burdens that may be lifted.

Contact us or call (800) 261-7860 to learn more about the way bankruptcy would affect your student loan obligations.

A Nondischargable Debt

The federal government goes to great lengths to protect lenders for higher education. This debt is considered nondischargeable and is not likely to be forgiven. A bankruptcy may help you devote more income towards this obligation. But despite the hardship, it is very rare to be released from student loan debt.

Living with Student Loan Debt

There are just a few options available to better handle student loan payments.

  • Chapter 13 bankruptcy includes provisions to reorganize nondischargeable debt.
  • Your lender may offer a loan modification that better fits your income or forbearance for especially difficult periods. It is important to be familiar with the options available to you.
  • If you are able to prove that your loan is an insurmountable hardship, or that an injury prevents you from meeting your obligation, it is possible that it may be forgiven through bankruptcy.

Our Experts in Bankruptcy Throughout California

Contact us or call (800) 261-7860. Our attorneys can explain your obligations after a bankruptcy and how specific debts will be affected.


If you are at risk or being threatened with foreclosure or simply upside down in your mortgage, fill in the details below. Our attorneys will begin their free evaluation of your case immediately. You will be contacted within 24 hours with Newport Law Firm for suggestions.
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