New Member Posts: 5 Registered: ‎01-28-2013 Re: Where to begin?
Or am I doing all I can?  Federal loans "can" be discharged, but
it's very rare that it's done. The BK code does provide for
this, but you must prove that paying them would cause undue
stress and hardship on your living conditions.    In the end, BK
isn't going to help, with the judgement and student loans in the
picture. Sure, I can Chapter 7 everythign away, such as the car
loan that's not been paid, credit cards, but all told, when the
BK is done, the student loans will continu to ruin things.
Making it just as difficult to come out of as it is now... and
the judgement doesn't go away.    That is the unfortunate
reality of my situation.