However, it is essential to note that student loans cannot be discharged in the event of bankruptcy. Student loans backed by the government or nonprofit organizations must be repaid in full regardless of one's ability to do so. This eliminates bankruptcy as a possible solution to your student loan problems.
You can only have your claim accepted if you can demonstrate extreme difficulty in repaying the loan, which is difficult to do. To do so, you may be required to demonstrate that you are unable to meet the repayment terms of your loan, that you have no prospect of repaying the loan in the future, and that your current financial situation is permanent. You must also demonstrate that you made every effort to pay but were unsuccessful.
Most people find it difficult to demonstrate the aforementioned, making it pointless to file for bankruptcy on their student loans. It is nearly impossible to demonstrate that your current financial situation is permanent, because even if you are unemployed, it does not necessarily imply that you will not have access to amazing opportunities in the future. As a result, it is preferable that you disregard the possibility of a bankruptcy claim working to your advantage, as it is certain that it will not.
To get your student loan discharged, you can utilize alternative options that may be applicable to your situation. There are credit counseling agencies that specialize in advising individuals facing bankruptcy on their available options for escaping their financial difficulties. It is likely that you will discover something beneficial in the counseling session that will bring you relief.""
" - https://www.affordablecebu.com/
