Answered on Sep 03rd, 2014 at 6:43 PM
Student loans are defined very broadly in the bankruptcy code as any money borrowed to pay for post-high school education or training, except from relatives. Such loans cannot be discharged in bankruptcy without a finding of "undue hardship" which is defined by case law. In general, unless you are completely disabled, the odds of discharging a student loan are very small. The older, poorer, and less healthy you are, the more likely you are to discharge a student loan. In most cases, however, a bankruptcy will put at least a temporary stop to collection activity for student loans, thus preventing garnishment of wages or attachment of bank accounts. In Oregon at least, you are usually not allowed to pay student loans while you are in a Chapter 13 bankruptcy, unless you don't have much other debt.