Can Student Loans Be Discharged in Bankruptcy? The Truth in 2026 скачать в хорошем качестве

Can Student Loans Be Discharged in Bankruptcy? The Truth in 2026

If you’ve filed for bankruptcy or are thinking about it, you may be wondering what happens to your student loans. Many people are told that student loans can never be discharged in bankruptcy. That’s not entirely true. In this video, Martha Warner, a California bankruptcy attorney with over 40 years of experience, explains exactly how student loans are treated in bankruptcy, including federal and private loans. You’ll learn: Why student loans are treated differently from other debts What “undue hardship” really means How adversary proceedings work What the Brunner test is and how it’s applied How the new Department of Justice and Department of Education guidance has changed the landscape When student loans may be partially or fully discharged How Chapter 7 and Chapter 13 affect student loans differently Common myths and mistakes borrowers make This is essential information for anyone with student loan debt who is trying to restart their financial life. This video is for educational purposes only and is not legal advice. Every case is different. If you’d like to schedule a free 30-minute consultation, you can contact me directly: 📞 760-409-7705 📧 Martha@bankruptcysage.com Chapters 00:00 – What Happens to Student Loans in Bankruptcy? 00:45 – The Biggest Myth About Student Loan Debt 01:20 – How Student Loans Are Treated Differently in Bankruptcy 01:58 – What “Undue Hardship” Really Means 02:44 – The Brunner Test Explained Simply 03:19 – Why Student Loan Discharge Was So Hard in the Past 03:56 – How the Attestation Form Works 04:19 – What Counts as Good Faith Efforts to Repay 04:48 – Why Discharge Is More Achievable Today 05:03 – Federal vs Private Student Loans in Bankruptcy 06:00 – Chapter 7 and Student Loans 06:32 – Chapter 13 and Student Loans 06:51 – What Bankruptcy Does NOT Do to Your Student Loans 07:43 – Signs You May Qualify for Student Loan Discharge 08:12 – When an Adversary Proceeding Makes Sense 08:45 – How to Schedule a Free Consultation