Can Student Loan Debt be Discharged in Columbus Bankruptcy?

Do you have student loan debt in Columbus, Ohio? Are you in the process of filing for bankruptcy? If you answered yes to these questions, you may have concerns over whether or not this debt will be discharged.

Scott Needleman works with those facing high student loan debts in order to figure out the best solution to resolve your debt issues.

Most debtors find that they are unable to discharge student loan debt through Chapter 7 or Chapter 13 bankruptcy. There are exceptions to this rule, but only in particular situations. For example, if you can prove that repaying this debt would cause undue financial hardship, the court may allow you to discharge it.


In most cases student loan debts cannot be discharged through a bankruptcy filing, however our student loan debt help service can provide the help you need. Click Here to Read More About Student Loan Debt Help


The Undue Hardship Exception For Student Loan Debt Discharge

Simply put, the only way to have your student loans discharged is to prove to the court that continuing to pay would put you in a dire financial situation. There are two tests for determining if you would face an undue hardship.


The Brunner Test

Many states use the Brunner test. You can discharge student loan debt if you meet these requirements:


Poverty: The test must determine that you are unable to meet the minimal standard of living if you are required to pay back your student loan debt.

Persistence. You must show that your current financial troubles are likely to continue into the future, spanning your repayment period.

Good faith. Can you prove that you have made an effort to repay your loans?

Totality of Circumstances Test

In states where the Brunner test is not used, courts turn to the totality of the circumstances test. With this in place, the court looks at the totality of your situation, which includes income, expenses, and debt. It is then that they determine if you should have to pay back your student loans after bankruptcy.


As you can see, you should not expect to have your student loan debt discharged in bankruptcy. Even though you may be relieved of other types of debt, this will continue to follow you.


Columbus Bankruptcy Advice and Guidance

Are you concerned about what will happen to your student loan debt as a result of bankruptcy? Are you ready to move forward but need to know where you will stand when you come out the other end? This is where an experienced bankruptcy attorney can assist you.


Not only can your Columbus bankruptcy attorney explain when and how student loan debt can be discharged, but they can give you a better idea of whether you may qualify. This information can then be used as you move forward with your decision.


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Bankruptcy Attorney Scott Needleman
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East Main St. Bankruptcy Law Office:

5300 E. Main, Suite 109

Columbus, OH 43213

614-575-1188 - Phone

614-575-1186 - Fax


As an added convenience you may request to meet at our Downtown Columbus Bankruptcy Law Office:

175 S. Third Street  Suite 200

Columbus, OH 43215

614-575-1188 - Phone

The Needleman Law Office is a debt relief agency in Columbus, OH aiming to help people file for protection under the U.S. Bankruptcy Code. As a bankruptcy attorney in Columbus, Ohio, our practice is limited to bankruptcy law, foreclosure defense, consumer protection laws and debt collection law. Needleman Law Office will provide a foreclosure or bankruptcy lawyer, or debt collections attorney, for your protection from creditors and debt collectors, serving clients in the following Ohio cities and their surrounding areas: Columbus, Bexley, Pickerington, Blacklick, Gahanna, Reynoldsburg, Westerville, and throughout Franklin, Licking, Fairfield, and Delaware Counties.

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