Student Loans

Courts are very reluctant to discharge student loan debt.

Chapter 7 filers may be able to get the court to grant a discharge if they are able to show the debt creates an undue hardship. The test applied to determine if the filer faces undue hardship varies from court to court, and even judge to judge, so there is no clear standard. Recently, some very low income filers have been granted relief, as have debtors who took out loans to attend for-profit schools.

Chapter 13 filers will basically never have student loans discharged. They can, however, get the loan payments reduced during the bankruptcy process.

Oakes Law Offices, P.C. are located in the City of Medford, Jackson County, and serving the cities of Medford and Klamath Falls.

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1730 E. McAndrews Rd., Suite B, Medford, OR 97504
| Phone: 541-210-5038
6502 S. 6th Street, Klamath Falls, OR 97603
| Phone: 541-273-1650

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