Can I discharge student loan debt through bankruptcy?

In Hawaii, you cannot discharge student loan debt through bankruptcy. This is because student loan debt is generally considered “non-dischargeable”, meaning that it can not be erased through bankruptcy. When you file for bankruptcy, you list all of your debts, such as credit cards, medical bills, and other types of debt. Some of these debts can be “discharged”, meaning that the debt can be eliminated and the creditor is no longer allowed to collect the debt. Other debts, such as student loan debt, are considered “non-dischargeable”, meaning that the debt cannot be eliminated and the creditor is still allowed to collect the debt. Because student loan debt is considered non-dischargeable, filing for bankruptcy will not help you reduce or eliminate this type of debt. If you file for bankruptcy, you will still be responsible for paying back any student loan debt that you owe. Fortunately, there may be alternatives available to you if you are having trouble paying back your student loan debt. The U.S. Department of Education offers several programs, such as income-based repayment plans or loan forgiveness programs, that may make it easier for you to pay back your student loans. You can also speak with a bankruptcy lawyer or financial advisor to discuss your options.

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Can I discharge student loan debt through bankruptcy?

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