Can I discharge student loan debt through bankruptcy?

In Texas, student loan debt typically cannot be discharged through bankruptcy. Most student loan debt is considered "non-dischargeable" under federal law, meaning it is not erased even if you declare bankruptcy. Student loan debt typically only becomes eligible for discharge if they cause an "undue hardship" for the debtor. This is determined through a legal process called an "adversary proceeding". This proceeding requires the debtor to prove that repaying the student loan debt would cause him/her "undue hardship" and that this hardship is likely to continue for a long period of time. It is important to note that student loan debt is very rarely discharged through bankruptcy and proving undue hardship is difficult. If you are struggling to pay your student loans in Texas, there are still many other options to explore. You can look into different repayment plans, such as graduated repayment, income-driven repayment, or extended repayment, to make your payments more affordable. You may also be eligible for loan forgiveness or deferment, which can lower or temporarily pause your payments. Additionally, some lenders may offer loan modifications or consolidation of loans to help reduce your burden. Finally, you may be eligible for government programs that can help you manage your student loan debt. It is important to research all of your options and thoroughly understand them before making any decisions.

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Can I discharge student loan debt through bankruptcy?

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