Student Loan Relief Through Bankruptcy
For many people, student loan debt can feel like a financial burden that never goes away. While student loans generally cannot be discharged through a traditional Chapter 7 or Chapter 13 bankruptcy filing, there are circumstances where relief may be available.
At J. M. Heller, Attorney at Law, P.C., we offer free consultations to help individuals determine whether they may qualify for student loan relief through the bankruptcy process. In certain cases, we can file a separate legal action within your bankruptcy case—known as an adversary proceeding—asking the court to evaluate whether repaying your student loans would create an undue hardship.
The court considers several factors when making this determination, including your current financial circumstances, your ability to maintain a reasonable standard of living while repaying your loans, and whether your financial hardship is likely to continue. This analysis is commonly referred to as the Brunner test.
Every case is different, and there is no one-size-fits-all solution. If student loan payments have become overwhelming, our attorneys can review your financial situation, explain your legal options, and help you determine whether pursuing an adversary proceeding is appropriate for your circumstances.
If you’re struggling with student loan debt, don’t assume you have no options. Contact J. M. Heller, Attorney at Law, P.C., today to schedule your free consultation and learn whether bankruptcy may provide a path toward meaningful student loan relief and a fresh financial start.
