You Have Options!

Contact attorney Chris Bush and find out the best route to your student loan debt relief.

(619) 678-1134

Other Options

Sometimes student loan debt can be reduced or discharged through bankruptcy.

Other Options

For Student Loan Debt Relief

There is a common misperception that once you take out a student loan, you are obligated to pay it all back no matter what. This is not entirely true. While some student loan debt may not be discharged through bankruptcy, Our Student Loan Lawyers and Debt Resolution Specialists may have ideas to help you reduce or discharge your debt.

However, it is important to note that the process of discharging student loan debt differs from the process of discharging other types of debt and will require a detailed analysis of the type of student loan as well as the history of the loans.

Student loan debts are not automatically discharged through Chapter 7 bankruptcy. The Chapter 13 bankruptcy process can be used to restructure your student loans into a more manageable monthly payment. We offer comprehensive Chapter 13 bankruptcy solutions to help you set up a payment plan to pay down your debt, including your student loans.

A Chapter 13 repayment plan can last for as long as five years. We will develop a feasible plan for you so some percentage of all your debt is paid. During the pendency of your case, you will be protected from any and all collection activity — including the IRS and any student loan collection agencies or servicers.

Discharging Student Loans: Proving Undue Hardship

Sometimes student loans can be forgiven when the borrower is shown to have endured “undue hardship,” such as:

  • Disability preventing your ability to work
  • Fixed income with no possibility of a salary increase
  • Family issues preventing you from earning a living
  • Totality of your financial circumstances

We are prepared to address all your questions regarding undue hardship.

Find out more about these related topics:

  • Student loan litigation
  • Struggling to pay student loans?

Contact us by e-mail or call toll free at (619)295-3322 to see if you qualify for the hardship exception, or if reorganizing your payment plan is a better option. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.

We are a debt relief agency. We can help you file for bankruptcy relief under the Bankruptcy Code if that is your best option.

  • Newsflash: Other Options for Student Loan Debt
Bankruptcy Chapter 13 and it's affect on Student Loans.
If your debts include student loans, you will quickly find that the bankruptcy laws won't assist unless you hop through hoop after hoop and show your current financial situation is not merely bad, but long-lasting.
Student Loan Court Cases challenge inclusion of Student Loans in dismissable debt.
An important factor that sets student loan debt apart from all other kinds of debt is that it’s just about impossible to rid yourself of it. Even borrowers who end up in such financial burdens that they file for bankruptcy struggle to get a fresh start void of their student loan debt.
In some cases, Federal student loans can be discharged if the school closes while you were attending.
If you obtained federal student loans to attend a school and it closed, you may be eligible for a 100% discharge of those loans.

You Have Options!

Contact attorney Chris Bush to find out the best route to your student loan debt relief.

(619) 678-1134

“The starting point on all student loan debt resolution plans is to obtain the Student Loan Report from the US Department of Education. This report is vital to answering any student loan question.”
Here's how to obtain your NSLDS report.
Chris Bush, Esq., Student Loan Attorney

Experienced Bankruptcy Litigator

California Bankruptcy and Student Loan Lawyer Chris Bush

San Diego Attorney Chris Bush is an experienced bankruptcy litigator and Student Loan Debt Resolution specialist. He can help you find the best solution to deal with your student loan debt burden.

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