Can I discharge student loan debt through bankruptcy?

In Rhode Island, the answer to whether or not you can discharge student loan debt through bankruptcy depends on the type of loan. Generally speaking, student loan debt is not dischargeable in bankruptcy. This means that if you file for bankruptcy, your student loan debt will still need to be paid. However, there are exceptions to this rule. There are certain circumstances where student loan debt can be discharged through bankruptcy. These include cases where the loan is in default for more than seven years or if there is an undue hardship. To prove an undue hardship, you must show that you are unable to maintain a minimal standard of living if you have to keep paying your student loan debt. It is important to note that Rhode Island’s laws in regards to bankruptcy are more strict than those in other states. For example, Rhode Island has a longer period of time where student loan debt is not dischargeable—twelve years instead of seven. It is also important to note that even if your student loan debt can be discharged through bankruptcy, it will still affect your credit score. You should speak with a qualified bankruptcy attorney before filing for bankruptcy in Rhode Island to determine if you are eligible to discharge your student loan debt.

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Can I discharge student loan debt through bankruptcy?

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