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Student loans, up
until October 7, 1998, were dischargeable in a chapter 7 bankruptcy if they were
more than 7 yrs old from the date the first payment was due as long as no
forbearance agreements were executed. As of that date, the law has changed. Now
student loans are not dischargeable in Chapter 7 cases unless the debtor can
prove a hardship. This is most difficult to prove. One would basically need to
be disabled and/or unemployed with virtually no chance of employment in the future for
a court to enter an order holding said debts dischargeable.
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