Can I discharge my student loan debt in bankruptcy?

In Washington, bankruptcy may be used as a means of discharging student loan debt in certain circumstances. However, it is important to understand the full consequences of using bankruptcy to discharge student loan debt before doing so. Under federal law, student loan debt is typically not dischargeable unless the individual can prove that paying the loans would cause an undue hardship for them. However, in Washington, the state law has a slightly different definition, providing some more leniency towards borrowers. In Washington, student loan debt can be discharged if the borrower makes a case that the loan is preventing them from achieving basic needs, such as a place to live, food, or clothing. In addition, bankruptcy can be used to discharge private student loan debt. Washington law has a provision that allows individuals to discharge private student loan debt in bankruptcy if they can demonstrate that the loan is causing them to suffer “undue hardship.” It is important to remember that discharging student loan debt in bankruptcy is a difficult process. If an individual is considering filing for bankruptcy to discharge student loan debt, they should consult with a qualified bankruptcy attorney to ensure they understand the full consequences of the decision.

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Can I discharge my student loan debt in bankruptcy?

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